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ACCOUNT NO. 70A <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">FEES AND EXPENSES</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Are There Charges or Adjustments for Early Withdrawals?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> Each series of the contract provides for different withdrawal charge periods and percentages.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series B of the contract within 7 years following your last contribution, you will be assessed a withdrawal charge of up to 7% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $7,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> of the contract within 9 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series L of the contract within 4 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial">For additional information about charges for surrenders and early withdrawals see “Withdrawal charge” in “Charges and expenses” in the Prospectus.</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Are There Transaction Charges?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> In addition to withdrawal charges, you may also be charged for other transactions including special requests such as wire transfers, express mail, duplicate contracts, preparing checks, third-party transfers or exchanges; or when you transfer between investment options in excess a certain number.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial">For additional information about transaction charges see “Charges that the Company deducts” in “Charges and expenses” in the Prospectus.</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr></table> <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Are There Ongoing Fees and Expenses?</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> Each series of the contract provides for different ongoing fees and expenses.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">The table below describes the fees and expenses that you may pay <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div>, depending on the investment options and optional benefits you choose. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:4%"></td> <td style="width:15%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:15%"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Minimum</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Maximum</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Base Contract (varies by contract series)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">1.30%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">1.70%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Portfolio Company fees and expenses<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">0.54%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">3.48%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Optional benefits available for an additional charge (for a single optional benefit, if elected)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(3)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">0.35%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">2.30%</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="font-size:1pt"> <td style="height:0.75pt"></td> <td colspan="2" style="height:0.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.25em; text-indent: -1.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(1) Expressed as an annual percentage of the daily net assets in the variable investment options.</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.25em; text-indent: -1.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(2) Expressed as an annual percentage of daily net assets in the Portfolio. This range is for the year ended December 31, 2025 and could change from year to year.</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.25em; text-indent: -1.25em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.25em; text-indent: -1.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(3) Expressed as an annual percentage of the applicable benefit base.</div> </div><div></div></td></tr></table> <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.375pt;"></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><br/></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div>, based on current charges. This estimate assumes no credit and that you do not take withdrawals from the contract, <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">which could add withdrawal charges that substantially increase costs</div></div>.</div></div><div></div><div style="line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:47%"></td> <td style="vertical-align:bottom;width:5%"></td> <td style="width:48%"></td></tr> <tr style="font-size:1pt"> <td style="BORDER-TOP:0.75pt solid #000000;height:3.75pt"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000;height:3.75pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Lowest Annual Cost<br/>$1,695</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Highest Annual Cost<br/>$7,633</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Assumes:</div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Investment of $100,000</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">5% annual appreciation</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Least expensive combination of contract series and Portfolio fees and expenses</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No optional benefits</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No sales charges</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No additional contributions, transfers or withdrawals</div></div></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Assumes:</div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Investment of $100,000</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">5% annual appreciation</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Most expensive combination of contract series (Series L), optional benefits (GMIB and “Greater of” death benefit) and Portfolio fees and expenses</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No sales charges</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No additional contributions, transfers or withdrawals</div></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000;height:3.75pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">For additional information about ongoing fees and expenses see “Fee Table” in the Prospectus.</td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> Each series of the contract provides for different withdrawal charge periods and percentages.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series B of the contract within 7 years following your last contribution, you will be assessed a withdrawal charge of up to 7% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $7,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> of the contract within 9 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series L of the contract within 4 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial">For additional information about charges for surrenders and early withdrawals see “Withdrawal charge” in “Charges and expenses” in the Prospectus.</div> 7 0.07 7000 9 0.08 8000 4 0.08 8000 <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> In addition to withdrawal charges, you may also be charged for other transactions including special requests such as wire transfers, express mail, duplicate contracts, preparing checks, third-party transfers or exchanges; or when you transfer between investment options in excess a certain number.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial">For additional information about transaction charges see “Charges that the Company deducts” in “Charges and expenses” in the Prospectus.</div> <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Are There Ongoing Fees and Expenses?</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> Each series of the contract provides for different ongoing fees and expenses.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">The table below describes the fees and expenses that you may pay <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div>, depending on the investment options and optional benefits you choose. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:4%"></td> <td style="width:15%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:15%"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Minimum</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Maximum</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Base Contract (varies by contract series)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">1.30%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">1.70%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Portfolio Company fees and expenses<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">0.54%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">3.48%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Optional benefits available for an additional charge (for a single optional benefit, if elected)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(3)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">0.35%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">2.30%</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="font-size:1pt"> <td style="height:0.75pt"></td> <td colspan="2" style="height:0.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.25em; text-indent: -1.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(1) Expressed as an annual percentage of the daily net assets in the variable investment options.</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.25em; text-indent: -1.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(2) Expressed as an annual percentage of daily net assets in the Portfolio. This range is for the year ended December 31, 2025 and could change from year to year.</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.25em; text-indent: -1.25em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.25em; text-indent: -1.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(3) Expressed as an annual percentage of the applicable benefit base.</div> </div><div></div></td></tr></table> 0.013 0.017 0.0054 0.0348 0.0035 0.023 Expressed as an annual percentage of the daily net assets in the variable investment options. Expressed as an annual percentage of daily net assets in the Portfolio. This range is for the year ended December 31, 2025 and could change from year to year. Expressed as an annual percentage of the applicable benefit base. <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.375pt;"></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><br/></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div>, based on current charges. This estimate assumes no credit and that you do not take withdrawals from the contract, <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">which could add withdrawal charges that substantially increase costs</div></div>.</div></div><div></div><div style="line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:47%"></td> <td style="vertical-align:bottom;width:5%"></td> <td style="width:48%"></td></tr> <tr style="font-size:1pt"> <td style="BORDER-TOP:0.75pt solid #000000;height:3.75pt"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000;height:3.75pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Lowest Annual Cost<br/>$1,695</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Highest Annual Cost<br/>$7,633</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Assumes:</div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Investment of $100,000</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">5% annual appreciation</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Least expensive combination of contract series and Portfolio fees and expenses</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No optional benefits</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No sales charges</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No additional contributions, transfers or withdrawals</div></div></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Assumes:</div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Investment of $100,000</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">5% annual appreciation</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Most expensive combination of contract series (Series L), optional benefits (GMIB and “Greater of” death benefit) and Portfolio fees and expenses</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No sales charges</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No additional contributions, transfers or withdrawals</div></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000;height:3.75pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">For additional information about ongoing fees and expenses see “Fee Table” in the Prospectus.</td></tr></table> 1695 7633 <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">RISKS</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Is There a Risk of Loss from Poor Performance?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> The contract is subject to the risk of loss. You could lose some or all of your account value depending on the investment options you choose.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial">For additional information about the risk of loss see “Principal risks of investing in the Contract” in the Prospectus.</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Is this a Short-Term Investment?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">No.</div></div> The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle. A withdrawal charge may apply in certain circumstances and any withdrawals may also be subject to federal and state income taxes and tax penalties.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial">For additional information about the investment profile of the contract see “Fee Table” in the Prospectus.</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">What Are the Risks Associated with the Investment Options?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">An investment in the contract is subject to the risk of poor investment performance and can vary depending on the performance of the variable investment options available under the contract, (e.g., the Portfolios). Each investment option, including the guaranteed interest option, has its own unique risks. You should review the investment options available under the contract before making an investment decision.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial">For additional information about the risks associated with investment options see “Variable investment options”, “Fixed investment options” and “Portfolios of the Trusts” in “Purchasing the Contract” in the Prospectus. See also Appendix “Investment options available under the contract” in the Prospectus.</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">What Are the Risks Related to the Insurance Company?</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">An investment in the contract is subject to the risks related to the Company. The Company is solely responsible to the contract owner for the contract’s account value and the Guaranteed benefits. The general obligations, including the fixed investment options, and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. An owner should look solely to our financial strength for our claims-paying ability. More information about the Company, including our financial strength ratings, may be obtained at https://equitable.com/about-us/financial-strength-ratings.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial">For additional information about insurance company risks see “About the general account” in “More information” in the Prospectus.</div></td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> The contract is subject to the risk of loss. You could lose some or all of your account value depending on the investment options you choose.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial">For additional information about the risk of loss see “Principal risks of investing in the Contract” in the Prospectus.</div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">No.</div></div> The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle. A withdrawal charge may apply in certain circumstances and any withdrawals may also be subject to federal and state income taxes and tax penalties.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial">For additional information about the investment profile of the contract see “Fee Table” in the Prospectus.</div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">An investment in the contract is subject to the risk of poor investment performance and can vary depending on the performance of the variable investment options available under the contract, (e.g., the Portfolios). Each investment option, including the guaranteed interest option, has its own unique risks. You should review the investment options available under the contract before making an investment decision.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial">For additional information about the risks associated with investment options see “Variable investment options”, “Fixed investment options” and “Portfolios of the Trusts” in “Purchasing the Contract” in the Prospectus. See also Appendix “Investment options available under the contract” in the Prospectus.</div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">An investment in the contract is subject to the risks related to the Company. The Company is solely responsible to the contract owner for the contract’s account value and the Guaranteed benefits. The general obligations, including the fixed investment options, and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. An owner should look solely to our financial strength for our claims-paying ability. More information about the Company, including our financial strength ratings, may be obtained at https://equitable.com/about-us/financial-strength-ratings.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial">For additional information about insurance company risks see “About the general account” in “More information” in the Prospectus.</div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> We may, at any time, exercise our rights to limit or terminate your contributions, allocations and transfers to any of the variable investment options (including the Protected Benefit account variable investment options) and to limit the number of variable investment options which you may select. Such rights include, among others, removing or substituting the Portfolios, combining any two or more variable investment options and transferring account value from any variable investment option to another variable investment option.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Credits under Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts may be recaptured upon free look, annuitization, and death.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">There are restrictions regarding investment options if Guaranteed benefits are elected, limits on contributions and transfers into and out of the guaranteed interest option, and restrictions or limitations with Special DCA programs. See “Allocating your contributions” in “Purchasing the Contract” and “Transferring your account value” in “Transferring your money among investment options” in the Prospectus for more information.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For more information see “About The Separate Account” in “More information” in the Prospectus.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Contributions and transfers into and out of the guaranteed interest option are limited.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for any transfers in excess of 12 per contract year. We will provide you with advance notice if we decide to assess the transfer charge, which will never exceed $35 per transfer.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial">For additional information about restrictions on the investment options, see “Transfer charge” in “Charges and expenses”, “Portfolios of the Trusts” and “Guaranteed Interest Option” in “Purchasing the Contract” and “Transferring your money among investment options” in the Prospectus.</div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> At any time, we have the right to limit or terminate your contributions, allocations and transfers to any of the variable investment options. If you have one or more Guaranteed benefits (which are also known as optional benefits) and we exercise our right to discontinue the acceptance of, and/or place additional limitations on, contributions to the contract and/or contributions and/ or transfers into the Protected Benefit account variable investment options, you may no longer be able to fund your Guaranteed benefit(s).</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Investment options are limited if Guaranteed benefits are elected. Withdrawals that exceed limits specified by the terms of an optional benefit may affect the availability of the benefit by reducing the benefit by an amount greater than the value withdrawn, and/or could terminate the benefit.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The standard and optional death benefits offered with the contract are available only at contract purchase. Withdrawals could significantly reduce or terminate the death benefit.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial">For additional information about the optional benefits see “How you can purchase and contribute to your contract” in “Purchasing the Contract” in the Prospectus. See also “Death Benefits” and “Living Benefits” in “Benefits available under the contract” in the Prospectus.</div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the contract. There is no additional tax benefit to you if the contract is purchased through a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">tax-qualified</div> plan or individual retirement account (IRA). Withdrawals will be subject to ordinary income tax and may be subject to tax penalties. Generally, you are not taxed until you make a withdrawal from the contract.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial">For additional information about tax implications see “Tax information” in the Prospectus.</div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Some financial professionals may receive compensation for selling the contract to you, both in the form of commissions or in the form of contribution-based compensation. Financial professionals may also receive additional compensation for enhanced marketing opportunities and other services (commonly referred to as “marketing allowances”). This conflict of interest may influence the financial professional to recommend this contract over another investment.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial">For additional information about compensation to financial professionals see “Distribution of the contracts” in “More information” in the Prospectus.</div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Some financial professionals may have a financial incentive to offer a new contract in place of the one you already own. You should only exchange your contract if you determine, after comparing the features, fees, and risks of both contracts, as well as any fees or penalties to terminate your existing contract, that it is preferable to purchase the new contract rather than continue to own your existing contract.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial">For additional information about exchanges see “Charge for third-party transfer or exchange” in “Charges and expenses” in the Prospectus.</div> <div id="tx69635_4" style="margin-top:0pt; margin-bottom:0pt; font-size:17.5pt; font-family:arial">Fee Table </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:42pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The following tables describe the fees and expenses that you will pay when buying, owning, surrendering or making withdrawals from an investment option or from the contract. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected</div></div>. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The first table describes fees and expenses that you will pay at the time that you buy the contract, surrender or make withdrawals from an investment option or the contract, or transfer account value between investment options. Charges designed to approximate certain taxes that may be imposed on us, such as premium taxes in your state, may also apply.</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:60%"></td> <td style="vertical-align:bottom;width:11%"></td> <td></td> <td style="vertical-align:bottom;width:12%"></td> <td></td> <td style="vertical-align:bottom;width:44%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="9" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Transaction Expenses</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:68%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.5px;"></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Sales Load Imposed on Purchases (as a percentage of purchase payments)</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Withdrawal Charge (as a percentage of contributions withdrawn)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Transfer Fee<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Third Party Transfer or Exchange Fee<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(3)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Special Service Charges<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates if you make a withdrawal, surrender your contract to receive its cash value, or, if offered, surrender your contract to apply your cash value to a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-life</div> contingent annuity payment option. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:29%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000;vertical-align:top"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="19" style="BORDER-TOP:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">charge as a % of contribution for each year following contribution</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10+</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series B</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">4%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Series L</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">8%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">7%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">6%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">5%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for transfers in excess of 12 transfers per contract year. We will charge no more than $35 for each transfer at the time each transfer is processed. See “Transfer charge” under “Charges that the Company deducts” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Currently, we do not charge for third party transfers or exchanges. However, we reserve the right to discontinue this waiver at any time, with or without notice. The maximum third party transfer or exchange fee is $125. The current charge (which, as described above is waived) is $65. The sum of these charges will never exceed 2% of the amount disbursed or transferred. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Special service charges include (1) express mail charge; (2) wire transfer charge; (3) duplicate contract charge; and (4) check preparation charge. The current maximum charge for each service is $90. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. </div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The next table describes the fees and expenses that you will pay </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> during the time that you own the contract (not including Portfolio fees and expenses). If you choose to purchase an optional benefit, you will pay additional charges, as shown below.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="9" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Annual Contract Expenses</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:67%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.5px;"></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div></td> <td style="white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Annual Administrative Charge<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Base Contract Expenses (as a percentage of daily net assets in the variable investment options)</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.30%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.65%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.70%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;">Optional Benefits Expenses</div> (as a percentage of the benefit base)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)(3)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">Guaranteed minimum death benefit charges</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">Return of Principal death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top">No<br/>additional<br/>charge</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top">No<br/>additional<br/>charge</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> <br/><br/></td> <td style="vertical-align:top">No<br/>additional<br/>charge</td> <td style="white-space:nowrap;vertical-align:top"> <br/> <br/> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">Highest Anniversary Value death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top">0.35%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top">0.35%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">0.35%</td> <td style="white-space:nowrap;vertical-align:top"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">RMD Wealth Guard death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top;white-space:nowrap">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top;white-space:nowrap">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="white-space:nowrap;vertical-align:top">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="white-space:nowrap;vertical-align:top"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">“Greater of” death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top;white-space:nowrap">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top;white-space:nowrap">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="white-space:nowrap;vertical-align:top">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="white-space:nowrap;vertical-align:top"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">Guaranteed minimum income benefit charge</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(6)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(6)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(6)</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The annual administrative charge is deducted from your account value on each contract date anniversary. If the contract is surrendered or annuitized or a death benefit is paid on any date other than the contract date anniversary, we will deduct a pro rata portion of the administrative charge for that year. If your account value on a contract date anniversary is $50,000 or more there is no charge. During the first two contract years this charge, if applicable, is equal to the lesser of $30 or 2% of your Total account value. Thereafter, the charge, if applicable, is $30 for each contract year. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The benefit base is not an account value or cash value. Your initial benefit base is equal to your initial contribution or transfer to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for transfers to the Protected Benefit account variable investment options. For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div> contracts, your initial benefit base does not include the credit. Subsequent adjustments to the applicable benefit base and the investment performance of the Protected Benefit account may result in a benefit base that is significantly different from your total contributions or future transfers to, or account value in, the Protected Benefit account. See “Guaranteed minimum death benefits” and “Guaranteed minimum income benefit” in “Benefits available under the contract”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">Deducted annually on each contract date anniversary for which the benefit is in effect. If the contract is surrendered or annuitized, or a death benefit is paid, or the benefit is dropped (if applicable), on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year.</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Maximum charge of 1.20% if you were <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">20-64</div> on the contract issue date and 2.00% if you were <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">65-68.</div> The current charge is equal to 0.60% (if you were age <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">20-64</div> on your contract date) or 1.00% (if you were age <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">65-68</div> on your contract date) of the RMD Wealth Guard death benefit base in effect each contract date anniversary. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “RMD Wealth Guard death benefit” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(5)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The current charge is equal to 1.15%. We reserve the right to increase or decrease this charge at any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” and “Greater of death benefit” in “Charges and expenses”.</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(6)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The current charge is equal to 1.15% of the GMIB benefit base in effect on each contract date anniversary. If you have this benefit, but do not fund it until after your contract date anniversary, we will deduct the full charge on the contract date anniversary following the date on which you fund the benefit. We reserve the right to increase the charge for this benefit up to a maximum of 2.30%. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” in “Charges and expenses”.</div> </div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The next item shows the minimum and maximum total operating expenses charged by the underlying Portfolios that you may pay periodically during the time that you own the contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of Portfolios available under the contract, including their annual expenses, may be found at the back of this document. See Appendix “Investment options available under the contract.”</div></div> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:78%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;"><div style="display:inline;">Annual Portfolio Expenses</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.5px;"></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="display:inline;">Minimum</div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="display:inline;">Maximum</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="display:inline;">Annual Portfolio Expenses prior to Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(*)</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom;text-align:center"><div style="display:inline;">0.54%</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom;text-align:center"><div style="display:inline;">3.48%</div></td></tr> <tr style="font-size:1pt"> <td style="height:9.75pt"></td> <td colspan="2" style="height:9.75pt"></td> <td colspan="2" style="height:9.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Annual Portfolio Expenses after Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(*)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;">0.53%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;">3.29%</div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(*)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">“Annual Portfolio Expenses” are based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025. Pursuant to a contract, Equitable Investment Management Group, LLC has agreed to make payments or waive its management, administrative and other fees to limit the expenses of certain affiliated Portfolios through April 30, 2027 (“Expense Limitation Arrangement”) (unless the Trust’s Board of Trustees consents to an earlier revision or termination of this agreement). The Expense Limitation Arrangement may be terminated by Equitable Investment Management Group, LLC at any time after April 30, 2027. The Expense Limitation Arrangement does not apply to unaffiliated Portfolios. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Examples </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples are intended to help you compare the cost of investing in the variable investment options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume that you invest $100,000 in the variable investment options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Portfolio expenses, as well as the “Greater of” death benefit and GMIB (both at their maximum charge).</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:35%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you surrender your contract or annuitize<br/><div style="white-space:nowrap;display:inline;">(under a non-life option) at the end of the applicable time period</div></div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you do not surrender your contract</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesB</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">48,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">25,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">43,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesCP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesL</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">50,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The first table describes fees and expenses that you will pay at the time that you buy the contract, surrender or make withdrawals from an investment option or the contract, or transfer account value between investment options. Charges designed to approximate certain taxes that may be imposed on us, such as premium taxes in your state, may also apply.</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:60%"></td> <td style="vertical-align:bottom;width:11%"></td> <td></td> <td style="vertical-align:bottom;width:12%"></td> <td></td> <td style="vertical-align:bottom;width:44%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="9" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Transaction Expenses</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:68%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.5px;"></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Sales Load Imposed on Purchases (as a percentage of purchase payments)</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Withdrawal Charge (as a percentage of contributions withdrawn)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Transfer Fee<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Third Party Transfer or Exchange Fee<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(3)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Special Service Charges<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates if you make a withdrawal, surrender your contract to receive its cash value, or, if offered, surrender your contract to apply your cash value to a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-life</div> contingent annuity payment option. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:29%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000;vertical-align:top"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="19" style="BORDER-TOP:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">charge as a % of contribution for each year following contribution</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10+</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series B</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">4%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Series L</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">8%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">7%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">6%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">5%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for transfers in excess of 12 transfers per contract year. We will charge no more than $35 for each transfer at the time each transfer is processed. See “Transfer charge” under “Charges that the Company deducts” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Currently, we do not charge for third party transfers or exchanges. However, we reserve the right to discontinue this waiver at any time, with or without notice. The maximum third party transfer or exchange fee is $125. The current charge (which, as described above is waived) is $65. The sum of these charges will never exceed 2% of the amount disbursed or transferred. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Special service charges include (1) express mail charge; (2) wire transfer charge; (3) duplicate contract charge; and (4) check preparation charge. The current maximum charge for each service is $90. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. </div></td></tr></table> 0 0 0 0.07 0.08 0.08 35 35 35 125 125 125 90 90 90 <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates if you make a withdrawal, surrender your contract to receive its cash value, or, if offered, surrender your contract to apply your cash value to a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-life</div> contingent annuity payment option. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:29%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000;vertical-align:top"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="19" style="BORDER-TOP:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">charge as a % of contribution for each year following contribution</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10+</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series B</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">4%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Series L</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">8%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">7%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">6%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">5%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td></tr></table> Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for transfers in excess of 12 transfers per contract year. We will charge no more than $35 for each transfer at the time each transfer is processed. See “Transfer charge” under “Charges that the Company deducts” in “Charges and expenses”. Currently, we do not charge for third party transfers or exchanges. However, we reserve the right to discontinue this waiver at any time, with or without notice. The maximum third party transfer or exchange fee is $125. The current charge (which, as described above is waived) is $65. The sum of these charges will never exceed 2% of the amount disbursed or transferred. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. Special service charges include (1) express mail charge; (2) wire transfer charge; (3) duplicate contract charge; and (4) check preparation charge. The current maximum charge for each service is $90. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The next table describes the fees and expenses that you will pay </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> during the time that you own the contract (not including Portfolio fees and expenses). If you choose to purchase an optional benefit, you will pay additional charges, as shown below.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="9" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Annual Contract Expenses</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:67%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.5px;"></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div></td> <td style="white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Annual Administrative Charge<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Base Contract Expenses (as a percentage of daily net assets in the variable investment options)</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.30%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.65%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.70%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;">Optional Benefits Expenses</div> (as a percentage of the benefit base)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)(3)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">Guaranteed minimum death benefit charges</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">Return of Principal death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top">No<br/>additional<br/>charge</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top">No<br/>additional<br/>charge</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> <br/><br/></td> <td style="vertical-align:top">No<br/>additional<br/>charge</td> <td style="white-space:nowrap;vertical-align:top"> <br/> <br/> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">Highest Anniversary Value death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top">0.35%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top">0.35%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">0.35%</td> <td style="white-space:nowrap;vertical-align:top"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">RMD Wealth Guard death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top;white-space:nowrap">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top;white-space:nowrap">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="white-space:nowrap;vertical-align:top">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="white-space:nowrap;vertical-align:top"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">“Greater of” death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top;white-space:nowrap">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top;white-space:nowrap">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="white-space:nowrap;vertical-align:top">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="white-space:nowrap;vertical-align:top"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">Guaranteed minimum income benefit charge</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(6)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(6)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(6)</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The annual administrative charge is deducted from your account value on each contract date anniversary. If the contract is surrendered or annuitized or a death benefit is paid on any date other than the contract date anniversary, we will deduct a pro rata portion of the administrative charge for that year. If your account value on a contract date anniversary is $50,000 or more there is no charge. During the first two contract years this charge, if applicable, is equal to the lesser of $30 or 2% of your Total account value. Thereafter, the charge, if applicable, is $30 for each contract year. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The benefit base is not an account value or cash value. Your initial benefit base is equal to your initial contribution or transfer to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for transfers to the Protected Benefit account variable investment options. For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div> contracts, your initial benefit base does not include the credit. Subsequent adjustments to the applicable benefit base and the investment performance of the Protected Benefit account may result in a benefit base that is significantly different from your total contributions or future transfers to, or account value in, the Protected Benefit account. See “Guaranteed minimum death benefits” and “Guaranteed minimum income benefit” in “Benefits available under the contract”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">Deducted annually on each contract date anniversary for which the benefit is in effect. If the contract is surrendered or annuitized, or a death benefit is paid, or the benefit is dropped (if applicable), on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year.</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Maximum charge of 1.20% if you were <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">20-64</div> on the contract issue date and 2.00% if you were <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">65-68.</div> The current charge is equal to 0.60% (if you were age <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">20-64</div> on your contract date) or 1.00% (if you were age <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">65-68</div> on your contract date) of the RMD Wealth Guard death benefit base in effect each contract date anniversary. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “RMD Wealth Guard death benefit” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(5)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The current charge is equal to 1.15%. We reserve the right to increase or decrease this charge at any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” and “Greater of death benefit” in “Charges and expenses”.</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(6)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The current charge is equal to 1.15% of the GMIB benefit base in effect on each contract date anniversary. If you have this benefit, but do not fund it until after your contract date anniversary, we will deduct the full charge on the contract date anniversary following the date on which you fund the benefit. We reserve the right to increase the charge for this benefit up to a maximum of 2.30%. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” in “Charges and expenses”.</div> </div></td></tr></table> 30 30 30 0.013 0.0165 0.017 0 0 0 0.0035 0.0035 0.0035 0.02 0.02 0.02 0.023 0.023 0.023 0.023 0.023 0.023 The annual administrative charge is deducted from your account value on each contract date anniversary. If the contract is surrendered or annuitized or a death benefit is paid on any date other than the contract date anniversary, we will deduct a pro rata portion of the administrative charge for that year. If your account value on a contract date anniversary is $50,000 or more there is no charge. During the first two contract years this charge, if applicable, is equal to the lesser of $30 or 2% of your Total account value. Thereafter, the charge, if applicable, is $30 for each contract year. <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The benefit base is not an account value or cash value. Your initial benefit base is equal to your initial contribution or transfer to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for transfers to the Protected Benefit account variable investment options. For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div> contracts, your initial benefit base does not include the credit. Subsequent adjustments to the applicable benefit base and the investment performance of the Protected Benefit account may result in a benefit base that is significantly different from your total contributions or future transfers to, or account value in, the Protected Benefit account. See “Guaranteed minimum death benefits” and “Guaranteed minimum income benefit” in “Benefits available under the contract”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">Deducted annually on each contract date anniversary for which the benefit is in effect. If the contract is surrendered or annuitized, or a death benefit is paid, or the benefit is dropped (if applicable), on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year.</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Maximum charge of 1.20% if you were <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">20-64</div> on the contract issue date and 2.00% if you were <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">65-68.</div> The current charge is equal to 0.60% (if you were age <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">20-64</div> on your contract date) or 1.00% (if you were age <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">65-68</div> on your contract date) of the RMD Wealth Guard death benefit base in effect each contract date anniversary. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “RMD Wealth Guard death benefit” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(5)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The current charge is equal to 1.15%. We reserve the right to increase or decrease this charge at any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” and “Greater of death benefit” in “Charges and expenses”.</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(6)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The current charge is equal to 1.15% of the GMIB benefit base in effect on each contract date anniversary. If you have this benefit, but do not fund it until after your contract date anniversary, we will deduct the full charge on the contract date anniversary following the date on which you fund the benefit. We reserve the right to increase the charge for this benefit up to a maximum of 2.30%. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” in “Charges and expenses”.</div> </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The next item shows the minimum and maximum total operating expenses charged by the underlying Portfolios that you may pay periodically during the time that you own the contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of Portfolios available under the contract, including their annual expenses, may be found at the back of this document. See Appendix “Investment options available under the contract.”</div></div> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:78%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;"><div style="display:inline;">Annual Portfolio Expenses</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.5px;"></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="display:inline;">Minimum</div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="display:inline;">Maximum</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="display:inline;">Annual Portfolio Expenses prior to Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(*)</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom;text-align:center"><div style="display:inline;">0.54%</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom;text-align:center"><div style="display:inline;">3.48%</div></td></tr> <tr style="font-size:1pt"> <td style="height:9.75pt"></td> <td colspan="2" style="height:9.75pt"></td> <td colspan="2" style="height:9.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Annual Portfolio Expenses after Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(*)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;">0.53%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;">3.29%</div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(*)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">“Annual Portfolio Expenses” are based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025. Pursuant to a contract, Equitable Investment Management Group, LLC has agreed to make payments or waive its management, administrative and other fees to limit the expenses of certain affiliated Portfolios through April 30, 2027 (“Expense Limitation Arrangement”) (unless the Trust’s Board of Trustees consents to an earlier revision or termination of this agreement). The Expense Limitation Arrangement may be terminated by Equitable Investment Management Group, LLC at any time after April 30, 2027. The Expense Limitation Arrangement does not apply to unaffiliated Portfolios. </div></div></td></tr></table> Annual Portfolio Expenses prior to Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses) 0.0054 0.0348 Annual Portfolio Expenses after Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses) 0.0053 0.0329 “Annual Portfolio Expenses” are based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025. Pursuant to a contract, Equitable Investment Management Group, LLC has agreed to make payments or waive its management, administrative and other fees to limit the expenses of certain affiliated Portfolios through April 30, 2027 (“Expense Limitation Arrangement”) (unless the Trust’s Board of Trustees consents to an earlier revision or termination of this agreement). The Expense Limitation Arrangement may be terminated by Equitable Investment Management Group, LLC at any time after April 30, 2027. The Expense Limitation Arrangement does not apply to unaffiliated Portfolios. <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Examples </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples are intended to help you compare the cost of investing in the variable investment options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume that you invest $100,000 in the variable investment options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Portfolio expenses, as well as the “Greater of” death benefit and GMIB (both at their maximum charge).</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:35%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you surrender your contract or annuitize<br/><div style="white-space:nowrap;display:inline;">(under a non-life option) at the end of the applicable time period</div></div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you do not surrender your contract</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesB</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">48,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">25,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">43,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesCP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesL</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">50,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Examples </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples are intended to help you compare the cost of investing in the variable investment options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume that you invest $100,000 in the variable investment options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Portfolio expenses, as well as the “Greater of” death benefit and GMIB (both at their maximum charge).</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:35%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you surrender your contract or annuitize<br/><div style="white-space:nowrap;display:inline;">(under a non-life option) at the end of the applicable time period</div></div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you do not surrender your contract</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesB</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">48,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">25,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">43,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesCP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesL</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">50,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Examples </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples are intended to help you compare the cost of investing in the variable investment options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume that you invest $100,000 in the variable investment options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Portfolio expenses, as well as the “Greater of” death benefit and GMIB (both at their maximum charge).</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:35%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you surrender your contract or annuitize<br/><div style="white-space:nowrap;display:inline;">(under a non-life option) at the end of the applicable time period</div></div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you do not surrender your contract</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesB</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">48,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">25,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">43,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesCP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesL</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">50,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> 15076 15076 31151 31151 48581 48581 96756 96756 8076 25151 43581 96756 16496 16496 32326 32326 45387 45387 99484 99484 8496 26326 45387 99484 16548 16548 33498 33498 50700 50700 100268 100268 8548 26498 45700 100268 <div id="tx69635_18" style="margin-top:0pt; margin-bottom:0pt; font-size:17.5pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.</div></div> Benefits available under the contract </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:42pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx69635_19" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Summary of Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following tables summarize important information about the benefits available under the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Death Benefits</div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These death benefits are available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:9pt;width:100%;border-spacing:0"> <tr> <td style="width:11%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td> <td style="vertical-align:bottom"></td> <td style="width:6%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:32%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name of Benefit</div></div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Purpose</div></div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Standard/</div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Optional</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Brief Description of Restrictions/Limitations</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Max</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Return of Principal Death Benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees beneficiaries will receive a benefit at least equal to your contributions less adjusted withdrawals.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Standard</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Additional<br/> <div style="margin-bottom: 1pt; margin-top: 0pt; font-size: 9pt; font-family: arial; text-align: center; line-height: normal;">Charge</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Highest Anniversary Value Death Benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Locks in highest adjusted anniversary account value as minimum death benefit.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">0.35%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the RMD Wealth Guard Death Benefit, or the “Greater of” Death Benefit</div></div></div></td></tr> <tr style="font-size:1pt"> <td style="BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">RMD Wealth Guard Death Benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Allows required minimum distributions without reducing the benefit base.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">1.20%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)(2)</div><br/> <div style="margin-bottom: 1pt; margin-top: 0pt; font-size: 9pt; font-family: arial; line-height: normal;">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)(3)</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">0.60%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)(2)</div><br/> <div style="margin-bottom: 1pt; margin-top: 0pt; font-size: 9pt; font-family: arial; line-height: normal;">1.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)(3)</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the Highest Anniversary Value Death Benefit, or the “Greater of” Death Benefit</div></div></div></td></tr> <tr style="font-size:1pt"> <td style="BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">“Greater of” Death Benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees the beneficiaries will receive at least the greater of the Roll-up benefit base and the Highest Anniversary Value benefit base.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">1.15%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the Highest Anniversary Value Death Benefit, or the RMD Wealth Guard Death Benefit</div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Expressed as an annual percentage of the benefit base. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Issue ages 20-64. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Issue ages 65-68. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Living Benefit</div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">This living benefit is available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:34%"></td> <td style="vertical-align:bottom"></td> <td style="width:6%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name of Benefit</div></div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Purpose</div></div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Standard/</div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Optional</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Brief Description of Restrictions/Limitations</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Max</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Guaranteed minimum income benefit (GMIB)</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees a minimum annuitization value to provide lifetime retirement income.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">1.15%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Cannot be elected with the RMD Wealth Guard Death Benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Expressed as an annual percentage of the benefit base. </div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Other Benefits</div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These other benefits are available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:37%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:6%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:35%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name of Benefit</div></div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Purpose</div></div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Standard/</div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Optional</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Brief Description of Restrictions/Limitations</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Max</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: arial; line-height: normal;">Rebalancing Option I<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div> and Option II<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(2)</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Periodically rebalance to your desired asset mix.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Charge</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with DCA</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Account value in the Protected Benefit account cannot be rebalanced</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: arial; line-height: normal;">Dollar Cost Averaging (special DCA, general DCA, and Investment Simplifier)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Transfer account value to selected investment options on a regular basis to potentially reduce the impact of market volatility.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Charge</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with Rebalancing</div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Option I allows you to rebalance your Investment account value among the Investment account variable investment options. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Option II allows you to rebalance your Investment account value among the Investment account variable investment options and the guaranteed interest option. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_20" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Death benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">About Death Benefits </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For the purposes of determining the death benefit under your Retirement Cornerstone<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract, we treat your Investment account and any Guaranteed minimum death benefit funded by your Protected Benefit account differently. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The death benefit in connection with your Investment account is equal to your Investment account value as of the date we receive satisfactory proof of death, any required instructions for the method of payment, and any required information and forms necessary to effect payment. The death benefit payable in connection with your Protected Benefit account will be based on the greater of (i) your Protected Benefit account value, and (ii) the benefit base of your Guaranteed minimum death benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The total death benefit under your Retirement Cornerstone<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract will depend on your values in either one or both sides of the contract. If you selected a Guaranteed minimum death benefit but never funded your Protected Benefit account, your death benefit will be based on your Investment account value only. Likewise, if you funded your Guaranteed minimum death benefit through allocations to the Protected Benefit account and had no Investment account value, your death benefit would be based strictly on the Guaranteed minimum death benefit you selected. Also, it is possible that upon your death, you have value in both your Investment account and a Guaranteed minimum death benefit that has been funded through allocations to the Protected Benefit account. In that case, your beneficiaries would receive the Investment account value, plus the value of your Guaranteed minimum death benefit. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_21" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Guaranteed minimum death benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">At issue, you may elect one of our optional Guaranteed minimum death benefit options (GMDBs) in connection with your Protected Benefit account as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:40%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:30%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Guaranteed Minimum<br/>Death Benefit</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Series B and L,<br/>Contracts</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><br/>Contracts</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Return of Principal death benefit</td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: top; white-space: nowrap; padding-bottom: 0.375pt;"><div style="margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"> </div><div style="margin-bottom: 1pt; margin-top: 0pt; font-size: 10pt; font-family: arial; text-align: center; line-height: normal;">Issue Ages 0-80</div></td> <td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); padding-right: 2pt; vertical-align: top; white-space: nowrap; padding-bottom: 0.375pt;"><div style="margin-top: 0pt; margin-bottom: 0pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; text-align: center; line-height: normal;">Issue Ages 0-70</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Highest Anniversary Value death benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:40%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:30%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Guaranteed Minimum<br/>Death Benefit</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Series B and L,<br/>Contracts</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><br/>Contracts</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">RMD Wealth Guard death benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;white-space:nowrap"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; line-height: normal;"> </div><div style="margin-bottom: 1pt; margin-top: 0pt; font-size: 10pt; font-family: arial; text-align: center; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Issue Ages 20-68</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;white-space:nowrap"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; text-align: center; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Issue Ages 20-68</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">The “Greater of” death benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;white-space:nowrap"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; line-height: normal;"> </div><div style="margin-bottom: 1pt; margin-top: 0pt; font-size: 10pt; font-family: arial; text-align: center; line-height: normal;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Issue Ages 20-65</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;white-space:nowrap"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; text-align: center; line-height: normal;">Issue Ages 20-65</div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The “Greater of” death benefit can only be elected in combination with the GMIB. The RMD Wealth Guard death benefit cannot be elected in combination with the GMIB. The Return of Principal death benefit and the Highest Anniversary Value death benefit are available with or without the GMIB. The Highest Anniversary Value death benefit, the RMD Wealth Guard death benefit and the “Greater of” death benefit are available at an additional charge. There is no charge for the Return of Principal death benefit. The Return of Principal death benefit will be issued with all eligible contracts if you do not elect either the Highest Anniversary Value, the RMD Wealth Guard death benefit or the “Greater of” death benefit at the time you apply for your Retirement Cornerstone<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract. If you elect a GMDB, the period during which you can make subsequent contributions may be significantly shorter than if you did not elect a GMDB. Please refer to Appendix “Rules regarding contributions to your contract”. Once a withdrawal is taken from the Protected Benefit account, additional contributions may not be made to the Protected Benefit account. Please refer to “Accessing your money”. Transfers to and from the Protected Benefit account may be restricted. Please refer to “Transferring your money among investment options”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Any GMDB you elect will automatically terminate upon annuitization, which will occur no later than the maturity date stated in your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When you have a GMDB, you can allocate your contributions to any of the following: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Protected Benefit account variable investment options; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Investment account variable investment options; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Guaranteed interest option; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The account for special dollar cost averaging (Series B and L contracts only); and </td></tr></table><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The account for special money market dollar cost averaging (Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts only). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Funding your GMDB.</div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> Only amounts you allocate to the Protected Benefit account variable investment options and </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">amounts in a Special DCA program designated for the Protected Benefit account variable investment options will fund your GMDB. These amounts will be included in your GMDB benefit base and will become part of your Protected Benefit account value. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, any credit or Earnings bonus amounts attributable to your Protected Benefit account are not included in your GMDB benefit base. If you decide to transfer amounts from your Investment account to your Protected Benefit account variable investment options, only amounts representing contributions and earnings will increase your GMDB benefit base. Credit or Earnings bonus amounts to your Investment account are always considered transferred first, though any amount of that transfer that represents a credit or Earnings bonus will be excluded from your GMDB benefit base. All transfers, however, will increase your Protected Benefit account value by the amount of the transfer. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your death benefit in connection with your Protected Benefit account is equal to one of the following — whichever provides a higher amount: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your Protected Benefit account value as of the date we receive satisfactory proof of the owner’s (or older joint owner’s, if applicable) death, any required instructions for the method of payment, and any required information and forms necessary to effect payment; or </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your applicable GMDB benefit base (discussed below) on the date of the owner’s (or older joint owner’s, if applicable) death, adjusted for subsequent withdrawals (and any withdrawal charges). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For a description of how the ATP exit option will impact your GMDB benefit bases, see ‘‘ATP exit option’’. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Return of Principal death benefit </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Return of Principal death benefit, like all of the guaranteed minimum death benefits, only applies to amounts you allocate to the Protected Benefit account variable investment options and not to the contract as a whole. There is no additional charge for this benefit. Your Return of Principal Guaranteed minimum death benefit is equal to your Return of Principal death benefit base. This benefit base is not an account value or cash value. It is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts contributed to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts transferred to the Protected Benefit account variable investment options; less </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects any withdrawals you make from the Protected Benefit account variable investment options or from amounts in a Special DCA program designated for the Protected Benefit account variable investment options (including any withdrawal charges). The amount of this deduction is described under “How withdrawals affect your Guaranteed benefits”. The amount of any withdrawal charge is described under “Withdrawal charge” in “Charges and expenses”. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix “Guaranteed benefit base examples” for an example of how the Return of Principal benefit base is calculated. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Highest Anniversary Value death benefit </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Highest Anniversary Value Guaranteed minimum death benefit is equal to your Highest Anniversary Value benefit base. The current charge for this benefit is 0.35%. This benefit base is not an account value or cash value. The calculation of your Highest Anniversary Value benefit base will depend on whether you have taken a withdrawal from your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you have not taken a withdrawal from your Protected Benefit account, your Highest Anniversary Value benefit base is equal to one of the following — whichever provides a higher amount: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts contributed to a Special DCA that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts transferred to the Protected Benefit account variable investment options. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold;text-align:center"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;">-OR-</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your highest Protected Benefit account value on any contract date anniversary up to the contract date anniversary following the owner’s (or older joint owner’s, if applicable) 85th birthday (plus any transfers to the Protected Benefit account variable investment options and contributions either directly or through a Special DCA program designated for the Protected Benefit account variable investment options, made since the most recent “reset” of the Highest Anniversary Value benefit base that established your Protected Benefit account value as your new Highest Anniversary Value benefit base). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you take a withdrawal from your Protected Benefit account and you elected the GMIB, your Highest Anniversary Value benefit base will be reduced on a dollar-for-dollar basis by withdrawals up to the Annual withdrawal amount, and on a pro rata basis by Excess withdrawals (including any applicable withdrawal charges).<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Note that any</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. </div></div>If you take a withdrawal from your Protected Benefit account and you did not elect the GMIB, your Highest Anniversary Value benefit base will be reduced on a pro rata basis (including any applicable<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div>withdrawal<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">charges). Reduction on a pro rata basis means that we calculate the percentage of your Protected Benefit account value that is being withdrawn and we reduce your Highest Anniversary Value benefit base by the same percentage. See “How withdrawals affect your Guaranteed benefits”. The amount of any withdrawal charge is described under “Withdrawal charge” in “Charges and expenses”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">At any time after a withdrawal, your Highest Anniversary Value benefit base is equal to one of the following — whichever provides a higher amount: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your Highest Anniversary Value benefit base immediately following the most recent withdrawal (plus any transfers to the Protected Benefit account variable investment options made since the most recent “reset” of the Highest Anniversary Value benefit base that established your Protected Benefit account value as your new Highest Anniversary Value benefit base). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold;text-align:center"><div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">-OR-</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your highest Protected Benefit account value on any contract date anniversary after the withdrawal up to the contract date anniversary following the owner’s (or older joint owner’s, if applicable) 85th birthday (plus any transfers to the Protected Benefit account variable investment options and contributions to a Special DCA program designated for the Protected Benefit account variable investment options, made since the most recent “reset” of the Highest Anniversary Value benefit base that established your Protected Benefit account value as your new Highest Anniversary Value benefit base). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, on your contract date anniversary any credit or Earnings bonus amounts that are part of your Protected Benefit account value are included in the calculation of the “reset” to your Highest Anniversary Value benefit base. Please note, however, that credit amounts are not part of the Highest Anniversary Value benefit base until a reset occurs. If you are eligible for an Earnings bonus on your contract date anniversary, the amount of the Earnings bonus will be credited to your Total account value after any reset is calculated. If a reset occurs, your Guaranteed benefit base(s) will not be increased by amounts associated with the Earnings bonus on that contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix “Guaranteed benefit base examples” for an example of how the Highest Anniversary Value benefit base is calculated. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">RMD Wealth Guard death benefit </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">(For traditional IRA, SEP and QPDC contracts only) </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The RMD Wealth Guard death benefit is an optional guaranteed minimum death benefit. The current charge for this benefit is 0.60% (issue ages 20-64) and 1.00% (issue ages 65-68). Your initial RMD Wealth Guard death benefit base is valued based on your initial contributions and any transfers to the Protected Benefit account. Thereafter RMD Wealth Guard death benefit base is increased by any allocations and transfers to the Protected Benefit account, which is described below. Withdrawals from the Protected Benefit account, other than Excess RMD withdrawals, will not reduce your RMD Wealth Guard death benefit base. This death benefit also provides a refund feature in the event the Protected Benefit account falls </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">to zero before the owner reaches age 95. There is an additional charge for this death benefit under the contract. The RMD Wealth Guard death benefit is not available if you elected the GMIB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">An RMD withdrawal is a withdrawal that is intended to satisfy the lifetime required minimum distributions from certain tax-favored plans and arrangements such as traditional IRAs under federal income tax rules. See “Required minimum distributions” in the “Tax information” section of the Prospectus for more information. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The RMD Wealth Guard death benefit base is not an account value or cash value. It is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts contributed to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts transferred to the Protected Benefit account variable investment options; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects any Excess RMD withdrawals from the Protected Benefit account, or from amounts in a Special DCA program designated for the Protected Benefit account variable investment options (including any withdrawal charges). The amount of this deduction is described below. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The RMD Wealth Guard death benefit base will be recalculated on each transaction date upon the occurrence of each contribution, transfer or deduction. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">For contracts with the RMD Wealth Guard death benefit, an “Excess RMD withdrawal” is:</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-style:italic;display:inline;">the full amount of any withdrawal from your Protected Benefit Account taken before the calendar year in which you turn age 70½;</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-style:italic;display:inline;">the full amount of any withdrawal from your Protected Benefit Account taken during your first contract year, even if you turn age 70½ during that year; or</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-style:italic;display:inline;">the portion of a withdrawal from your Protected Benefit account that exceeds your RMD Wealth Guard withdrawal amount for the calendar year.</div> </td></tr></table><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Excess RMD withdrawals will reduce your RMD Wealth Guard death benefit base on a pro rata basis. Reduction on a pro rata basis means that we calculate the percentage of your Protected Benefit account value that is being withdrawn and we reduce your RMD Wealth Guard death benefit base by the same percentage. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Resets.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> On each contract date anniversary up to the earlier of (i) the contract date anniversary following your first RMD withdrawal from the Protected Benefit account, and (ii) the contract date anniversary following your 85th birthday, if the Protected Benefit account value is greater than the current RMD Wealth Guard death benefit base, the RMD Wealth Guard death benefit base will automatically reset to equal </div></div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">the Protected Benefit account value. Withdrawals from the Protected Benefit account up to your RMD Wealth Guard withdrawal amount will not reduce your RMD Wealth Guard death benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, any credit or Earnings bonus amounts added to your Protected Benefit account, including credit or Earnings bonus amounts transferred from your Investment account, will be included in your Protected Benefit account value when determining your RMD Wealth Guard death benefit base reset. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Calculating your RMD Wealth Guard withdrawal amount.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> Your RMD Wealth Guard withdrawal amount will be calculated based on the account value in your Protected Benefit account variable investment options as of December 31st in the calendar year you turn age 70½ and calculated each calendar year thereafter as of December 31st<div style="font-weight:bold;display:inline;">.</div> This calculation includes the actuarial present value of your RMD Wealth Guard death benefit. This is because certain provisions of the Treasury Regulations require that the actuarial present value of additional annuity contract benefits, such as guaranteed benefits like the RMD Wealth Guard death benefits, be added to the account value for purposes of calculating account-based annual required minimum distributions from individual retirement annuity contracts. See “Required minimum distributions” in the “Tax information” section of the Prospectus for more information. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your RMD Wealth Guard withdrawal amount will be determined using the RMD rules and life expectancy and distribution tables in effect on December 31, 2014. In the event that tax reform measures change those RMD requirements, unless we agree otherwise, we will not allow your RMD Wealth Guard withdrawal amount to be greater than the RMD Wealth Guard withdrawal amount calculated using the IRS RMD rules that were in effect on December 31, 2014. As a result of us reserving this right, in the event that future IRS rule changes require you to take RMD withdrawals that are greater than the RMD amount calculated using the IRS RMD rules that were in effect on December 31, 2014 and we do not agree to this change, you would have to satisfy your RMD requirements from other retirement sources or, if you do not have other retirement sources, you would have to take an additional RMD withdrawal amount from this contract, which would be treated an Excess RMD withdrawal. That Excess RMD withdrawal would reduce your RMD Wealth Guard death benefit base on a pro rata basis. Please refer to the section “How withdrawals effect your Guaranteed benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note that your RMD Wealth Guard withdrawal amount will be zero: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">in each year prior to the calendar year in which you turn age 70½; and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">during your first contract year, even if you turn age 70½ during that year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Withdrawals prior to age 70½ or during your first contract year.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> Withdrawals from your Protected Benefit account prior to the calendar year in which you turn age 70½ are treated as Excess RMD withdrawals and reduce your RMD Wealth Guard death benefit base on a pro rata basis (including any applicable withdrawal charges). Withdrawals from your Protected Benefit account prior to your first contract date anniversary </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">will also reduce your RMD Wealth Guard death benefit base on a pro rata basis (including any applicable withdrawal charges) even if you turn age 70½ during that calendar year. Reduction on a pro rata basis means that we calculate the percentage of your Protected Benefit account value that is being withdrawn and we reduce your RMD Wealth Guard death benefit base by the same percentage. <div style="font-weight:bold;display:inline;">This pro rata reduction to the RMD Wealth Guard death benefit base could be greater than the dollar amount of the withdrawal and could significantly reduce or eliminate the value of the RMD Wealth Guard death benefit.</div> For an example of how a pro rata reduction works, see Appendix “Examples of how withdrawals affect your Guaranteed benefit bases”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals from the Protected Benefit account: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">prior to the calendar year in which you turn age 70½; or </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">during your first contract year, even if you turn age 70½ during the calendar year in which your first contract date anniversary falls </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">will not stop your RMD Wealth Guard death benefit base from resetting. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">As discussed in “Resets” above, the last reset of the RMD Wealth Guard death benefit base will be the earlier of the contract date anniversary following your first RMD withdrawal from the Protected Benefit account or the contract date anniversary following your 85th birthday. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Withdrawals at or after age 70½.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> After your first contract date anniversary, withdrawals made from your Protected Benefit account beginning with the calendar year in which you turn age 70½ will be treated as RMD Wealth Guard withdrawals and will count towards your RMD Wealth Guard withdrawal amount. Withdrawals from the Protected Benefit account up to your RMD Wealth Guard withdrawal amount will not reduce your RMD Wealth Guard death benefit base. The portion of a withdrawal from your Protected Benefit account that exceeds your RMD Wealth Guard withdrawal amount for the calendar year will be treated as an Excess RMD withdrawal. An Excess RMD withdrawal will reduce your RMD Wealth Guard death benefit base on a pro rata basis. <div style="font-weight:bold;display:inline;">A</div> <div style="font-weight:bold;display:inline;">pro rata reduction to your RMD Wealth Guard death benefit base could be greater than the dollar amount of the withdrawal and could significantly reduce or eliminate the value of your RMD Wealth Guard death benefit.</div> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note that any withdrawals from your Protected Benefit account, including withdrawals taken up to the RMD Wealth Guard withdrawal amount, will reduce your Protected Benefit account value. Withdrawal charges are waived for RMD Wealth Guard withdrawals, but will count towards the free withdrawal limit. These withdrawals are subject to tax. See “Free withdrawal amount” in “Charges and expenses”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elect the RMD Wealth Guard withdrawal service, you can elect to take RMD withdrawals from your Protected Benefit account value and Investment account value. If you elect to use our RMD Wealth Guard withdrawal service or our Automatic RMD withdrawal service, you will receive the required amount of RMD payments calculated for your contract for that calendar year. At the time you elect to receive </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">RMD withdrawals, any prior RMD payments due for that calendar year will be paid as a catch-up payment. The catch-up payment is made immediately when the RMD Wealth Guard withdrawal service enrollment is processed. Thereafter, RMD payments will begin on the date and at the frequency you elect. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example, in the calendar year that you turn age 70½, if you enroll in our RMD Wealth Guard withdrawal service in July of that year and requested to receive monthly RMD payments, you would receive the catch-up payment due for January through June in a lump sum on the date the enrollment is processed and the July RMD monthly payment on the date that you specified on the RMD Wealth Guard withdrawal service Form. If you take additional withdrawals from the Protected Benefit account while you are currently taking RMD payments under our RMD Wealth Guard withdrawal service, those RMD payments from the Protected Benefit account will be reduced by those withdrawals. If you delay your first RMD withdrawal until after the calendar year you turn age 70½, but no later than April 1st of the following calendar year, we will pay you a catch-up payment at the time you elected to receive RMD withdrawals, which will include any prior RMD payments due for that calendar year plus the entire RMD amount due from the prior year. The catch-up payment is made immediately when the RMD Wealth Guard withdrawal service enrollment is processed. Thereafter, RMD payments will begin on the date and at the frequency you elect. In that event, your RMD Wealth Guard death benefit base would not reset after your first RMD withdrawal. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For more information about the RMD Wealth Guard withdrawal service, please refer to “RMDs for Traditional IRA and SEP IRA contracts with the RMD Wealth Guard death benefit” in “Accessing your money”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you take withdrawals from your Protected Benefit account during a calendar year in which you are receiving RMD payments under our Automatic RMD service or our RMD Wealth Guard withdrawal service, once the total amount of your withdrawals in that calendar year reach your RMD Wealth Guard withdrawal amount, your RMD Wealth Guard withdrawals will be suspended until the next calendar year. Additional withdrawals from the Investment account value will not suspend RMD Wealth Guard withdrawals under our Automatic RMD service or our RMD Wealth Guard withdrawal service. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For additional examples of how withdrawals affect your RMD Wealth Guard death benefit base, see Appendix “Examples of how withdrawals affect your Guaranteed benefit bases”. For information on how RMD payments affect your RMD Wealth Guard death benefit, see “RMDs for Traditional IRA and SEP IRA contracts with the RMD Wealth Guard death benefit” in “Accessing your money”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The RMD Wealth Guard withdrawal service is not available under QPDC contracts. If you elect the RMD Wealth Guard death benefit for a QPDC contract, all withdrawals from your Protected Benefit account will reduce the RMD Wealth Guard death benefit base on a pro rata basis and will be subject to any applicable withdrawal charges until the QPDC contract is converted to an IRA. After you convert the QPDC contract to </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">an IRA contract you can elect the RMD Wealth Guard withdrawal service. A qualified plan participant, upon separation from service, may directly roll-over an eligible rollover distribution from the plan by converting the QPDC contract into an otherwise identical IRA contract which retains the RMD Wealth Guard death benefit. In that case, the RMDs can be taken without reducing the RMD Wealth Guard death benefit base. You should not elect the RMD Wealth Guard death benefit under a QPDC contract unless you intend to convert to an IRA prior to taking RMDs. See Appendix “Purchase considerations for QP participants”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">RMDs are not required to be withdrawn from a Roth IRA during your lifetime. Therefore, if you are considering converting your traditional IRA to a Roth IRA, prior to converting your IRA to a Roth IRA, you must drop the RMD Wealth Guard death benefit. For information on dropping this benefit, see “Dropping or changing your Guaranteed benefits” in “Benefits available under the contract”, and under Appendix “Dropping or changing your Guaranteed benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The RMD Wealth Guard death benefit is only available for traditional IRA, SEP and QPDC contracts. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">RMD Wealth Guard Refund feature </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the RMD Wealth Guard death benefit and your Protected Benefit account value falls to zero before the owner’s death, your RMD Wealth Guard death benefit terminates and we will refund 10% of the total of (a) minus (b), where: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(a)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">equals your total contributions and transfers to the Protected Benefit account; and </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(b)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">equals the total dollar amount of any Excess RMD withdrawals you have taken. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example, assume that at the time your Protected Benefit account value fell to zero, your total contributions and transfers to the Protected Benefit account were $100,000 and you had taken a total of $10,000 in Excess RMD withdrawals. You will receive a refund equal to 10% of $90,000 ($100,000 - $10,000), or $9,000. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, any credit or Earnings bonus amounts added to your Protected Benefit account, including credit or Earnings bonus amounts transferred from your Investment account, are not included in part (a) of the formula for calculating your RMD Wealth Guard Refund. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We will pay you the amount of any RMD Wealth Guard Refund as a lump sum. In certain circumstances, you may be able to roll over this payment into another IRA. Please consult your tax adviser. Also, please see “Withdrawals, payments and transfers of funds out of traditional IRAs” in the “Tax Information” section of this Prospectus for more information about possible tax consequences of any distribution from your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your Protected Benefit account falls to zero, your contract will also terminate unless you have amounts allocated to the Investment account. In this case, you will receive the RMD Wealth Guard Refund as a lump sum, your contract will continue and any remaining RMD payments will continue unin-</div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">terrupted from your Investment account, beginning in the calendar year in which your Protected Benefit account falls to zero. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">“Greater of” death benefit </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your “Greater of” death benefit has a benefit base. The current charge for this benefit is 1.15%. The benefit base is not an account value or cash value. It is equal to the greater of: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The benefit base computed for the Highest Anniversary Value death benefit (described immediately above); and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base is used only in connection with the “Greater of” death benefit. It is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts contributed to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts transferred to the Protected Benefit account variable investment options; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects any “Excess withdrawal” amounts (plus any applicable withdrawal charges); less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects (a) in the contract year of first funding, the dollar amount of any RMD from the Protected Benefit account taken through our RMD program and (b) in the subsequent contract years, the dollar amount of any RMD from the Protected Benefit account in excess of the Annual withdrawal amount taken through our RMD program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any “Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount” or “Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount” minus a deduction that reflects any withdrawals up to the Annual withdrawal amount. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. Any such withdrawal will reduce (i) your Roll-up to age 85 benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. (Withdrawal charges do not apply to amounts withdrawn up to the Annual withdrawal amount.) </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Either the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount or the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is credited to the benefit bases of your Guaranteed benefits on each contract date anniversary. These amounts are calculated by taking into account your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base from the preceding contract date anniversary, the applicable <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract, contributions and transfers to the Protected Benefit account during the contract year and for the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount, any withdrawals up to the Annual withdrawal amount during the contract year. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. Any such withdrawal will reduce (i) your Roll-up to age 85 benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. However, a RMD withdrawal from our RMD program will not reduce your Annual Roll-up amount in the year you first fund your Protected Benefit account. The calculation of both the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount are discussed in this section. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In order to elect the “Greater of” death benefit, you must also elect the GMIB. Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account, and until the contract year following age 85, if your Lifetime GMIB payments under the GMIB have not begun, you may withdraw up to your Annual withdrawal amount without reducing your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. However, these same withdrawals will reduce the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount that would otherwise be applied to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base at the end of the year. Remember that the <div style="white-space:nowrap;display:inline;">Roll-up</div> amount applicable under your contract does not become part of your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base until the end of the contract year. <div style="font-weight:bold;display:inline;">The portion of any withdrawal in excess of your</div> <div style="font-weight:bold;display:inline;">Annual withdrawal amount will reduce your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit</div> <div style="font-weight:bold;display:inline;">base on a pro rata basis. See “Annual withdrawal amount and your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base”.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Unless you decline or elect a different annual reset option, you will be enrolled in the automatic annual reset program and your Roll-up to age 85 benefit base will automatically reset to equal the Protected Benefit account value, if higher, on every contract date anniversary from your contract date, up to the contract date anniversary following your 85th birthday or contract maturity, if earlier. See “Annual reset options”. The <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base reset is described in more detail below. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For more information, see “Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base adjustment”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">From time to time, we may offer you some form of payment or incentive in return for terminating or modifying certain guaranteed benefits. See “Guaranteed benefit offers” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate amounts credited to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base for the contract year in which the first withdrawal is made from your Protected Benefit account and all subsequent contract years. <div style="font-weight:bold;display:inline;">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate used for the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 component of the “Greater of” death benefit is always the same as the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your GMIB.</div> <div style="font-weight:bold;display:inline;"></div>This rate is calculated using the <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Rate Formula. See “Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> Rate” under “Guaranteed minimum income benefit” for more information regarding this formula. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A different <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate amounts credited to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base in the contract years prior to the first withdrawal from your Protected Benefit account — the “Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate,” described below. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate amounts credited to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base through the end of the contract year that precedes the contract year in which the first withdrawal is made from your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Beginning in the first contract year in which you fund your Protected Benefit account, the <div style="white-space:nowrap;display:inline;">Roll-up</div> amount credited to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base at the end of the contract year (the “Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount”) will be calculated using the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. Once you take a withdrawal </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">from your Protected Benefit account, the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount will not be credited at the end of the contract year in which the withdrawal was taken and will terminate for the life of the contract. Instead, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount will be credited. <div style="font-weight:bold;display:inline;">The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate used for</div> <div style="font-weight:bold;display:inline;">the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85</div> <div style="font-weight:bold;display:inline;">component of</div> <div style="font-weight:bold;display:inline;">the “Greater of” death benefit is always the same as the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your GMIB. </div>This rate is calculated using the Deferral <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Rate Formula. See “Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> Rate” under “Guaranteed minimum income benefit” for more information regarding this formula. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is designed as an incentive to defer taking your first withdrawal from your Protected Benefit account until later contract years while potentially building greater Guaranteed benefit bases. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">New business rates. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">The new business <div style="white-space:nowrap;display:inline;">Roll-up</div> rates we set for the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base are the same as the new business rates we set for the GMIB. If you select the GMIB Two-Year Lock, the new business rates are no longer applicable after the second contract year, even if you fund your Guaranteed benefits after the second contract year. If you select the GMIB Multi-Year Lock, the Lock-in Rate will apply during the initial period that withdrawal charges may apply to your contract. For example, the Lock-in Rate, from the contract date and for each additional contribution, is seven years for Series B, nine years for Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> and four years for Series L. Lock-in Rates are no longer applicable after the duration specified in your contract. See “New business rates” under “Guaranteed minimum income benefit” for more information. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">75 Day rate <div style="white-space:nowrap;display:inline;">lock-in. </div></div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">When you select the “Greater of” death benefit with the GMIB, the 75 day rate lock in applies to both the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> under both Guaranteed benefits. For more information, including an example of how the 75 day rate <div style="white-space:nowrap;display:inline;">lock-in</div> works, see “Guaranteed minimum income benefit.” </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Renewal rates. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">The renewal <div style="white-space:nowrap;display:inline;">Roll-up</div> rates we set for the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base are the same as the renewal rates we set for the GMIB. For more information, see “Renewal rates” under “Guaranteed minimum income benefit.” </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Notification of Renewal rates. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">If you elected the “Greater of” death benefit at issue, your contract will indicate the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and the applicable time period those rates are in effect. These rates may not be the same rates that were illustrated prior to your purchase of the contract. If you choose to fund your “Greater of” death benefit (and your GMIB) after the new business rates have expired, you can contact a Customer Service Representative to find out the current Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and if applicable, Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate for your contract. In addition, your annual statement of contract values will show your current Renewal rates as well as the previous year’s Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate or Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate (whichever applies) for your contract. The information can also be found online, through your Equitable Client portal. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base adjustment </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is an amount credited to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on each contract date anniver-</div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">sary if there has ever been a withdrawal from your Protected Benefit account. The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount adjustment to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base is the primary way to increase the value of the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 component of your “Greater of” death benefit base. This amount is calculated by taking into account your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base from the preceding contract date anniversary, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract, contributions and transfers to the Protected Benefit account during the contract year and any withdrawals up to the Annual withdrawal amount during the contract year. The crediting of any Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount ends on the contract date anniversary following the owner reaching age 85. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. Any such withdrawal will reduce (i) your Roll-up to age 85 benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. However, a RMD withdrawal from our RMD program will not reduce your Annual Roll-up amount in the year you first fund your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount at the end of the contract year is calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on the preceding contract date anniversary, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate that was in effect on the first day of the contract year; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any withdrawals up to the Annual withdrawal amount resulting in a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> reduction of the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any transfer from the Investment account variable investment options and/or Guaranteed interest option to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution amounts to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is based on the number of days in the contract year after the contribution or transfer. (Since there is no Annual withdrawal amount in the first contract year in which the Protected Benefit account is funded, any withdrawals in that year (other than RMD withdrawals from our RMD program) result in a dollar-for-dollar reduction of the Annual Roll-up amount (but not less than zero).) </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In the event of your death, a <div style="white-space:nowrap;display:inline;">pro-rated</div> portion of the <div style="white-space:nowrap;display:inline;">Roll-up</div> amount will be added to the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals in excess of the Annual withdrawal amount may have a harmful effect on your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base and “Greater of” death benefit. A withdrawal in excess of your Annual withdrawal amount will always reduce your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. When the </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">owner reaches age 85, withdrawals will reduce your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> basis up to your Annual withdrawal amount. For more information, see “How withdrawals affect your Guaranteed benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base adjustment </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is an amount credited to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on each contract date anniversary provided you have never taken a withdrawal from your Protected Benefit account. This amount is calculated by taking into account your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base from the preceding contract date anniversary, the applicable Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract, and contributions and transfers to the Protected Benefit account during the contract year. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount adjustment to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base is the primary way to increase the value of the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 component of your “Greater of” death benefit base. The crediting of any Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount ends on the contract date anniversary following the owner reaching age 85. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount at the end of the contract year is calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on the preceding contract date anniversary, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate that was in effect on the first day of the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any transfer from the Investment account and/or Guaranteed interest option to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution amounts made during the contract year to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">A <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is based on the number of days in the contract year after the contribution or transfer. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In the event of your death, a <div style="white-space:nowrap;display:inline;">pro-rated</div> portion of the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount will be added to the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base reset </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">This section describes how the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base reset works in connection with the calculation of your “Greater of” death benefit. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Unless you decline or elect a different annual reset option, you will be enrolled in the automatic annual reset program and your Roll-up to age 85 benefit base will automatically reset to equal the Protected Benefit account value, if higher, on every contract date anniversary from your contract date, up to the contract date anniversary following your 85th birthday or contract maturity, if earlier. See “Annual reset options”. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, on your contract date anniversary any credit or Earnings bonus amounts that are part of your Protected Benefit account value are included in the calculation of your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base reset. If you are eligible for an Earnings bonus on your contract date anniversary, the amount of the Earnings bonus will be credited to your Total account value after any reset is calculated. If a reset occurs, your Guaranteed benefit base(s) will not be increased by amounts associated with the Earnings bonus on that contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If a reset is not applicable on your contract date anniversary, the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base will not be eligible to be reset again until the next contract date anniversary. For jointly-owned contracts, eligibility to reset the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base is based on the age of the older owner. For <div style="white-space:nowrap;display:inline;">non-naturally</div> owned contracts, eligibility is based on the age of the annuitant or older joint annuitant. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We will send you a notice in each year that the Roll-up to age 85 benefit base is eligible to be reset. If you are not enrolled in either the automatic annual reset program or the automatic customized reset program you will have 30 days from your contract date anniversary to request a reset. At any time, you may choose one of the three available reset methods: one-time reset option, automatic annual reset program or automatic customized reset program. The procedures for choosing a reset method are the same procedures described under “GMIB benefit base reset”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The total dollar amount charged may increase as a result of the reset, even if the charge for the “Greater of” death benefit has not been increased, since the charges may be applied to a higher “Greater of” death benefit base than would have been otherwise applied. See “Charges and expenses” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Annual withdrawal amount and your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the “Greater of” death benefit and the GMIB, both your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base and GMIB benefit base are calculated the same way until age 85. Therefore, your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base and GMIB benefit base are equal until age 85. Beginning after the contract date anniversary following the owner’s (or older joint owner, if applicable) 85th birthday, your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base will (i) no longer roll up; (ii) no longer be eligible for resets; and (iii) be reduced <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> by withdrawals up to your Annual withdrawal amount. In contrast, the roll ups and resets for the GMIB benefit base calculation continue until age 95. Therefore, after age 85, your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base and your GMIB benefit base may differ. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Withdrawals up to your Annual withdrawal amount affect your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base the exact same way as they affect your GMIB benefit base prior to the contract date anniversary following age 85. </div>Beginning with the contract year that follows the contract year in which you first fund your Protected Benefit account, if Lifetime GMIB payments have not begun, you may withdraw up to your Annual withdrawal amount without reducing your Roll-up to age 85 benefit base. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">It is important to note that withdrawals in excess of your Annual withdrawal amount will have a harmful effect on your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base and your “Greater of” death benefit.</div> An Excess withdrawal reduces your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. A withdrawal that causes your Protected Benefit account value to go to zero will terminate your “Greater of” death benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The reduction of your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis means that we calculate the percentage of your current Protected Benefit account value that is being withdrawn and we reduce your current <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base by the same percentage. A pro rata withdrawal will have a significant adverse effect on your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base in cases where the Protected Benefit account value is less than the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. For an example of how pro rata reduction works, see “How withdrawals affect your Guaranteed benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For contracts with <div style="white-space:nowrap;display:inline;">non-natural</div> owners, the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base will be based on the annuitant’s (or older joint annuitant’s) age. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix “Guaranteed benefit base examples” for an example of how the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base that is part of the “Greater of” Guaranteed minimum death benefit is calculated. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you change ownership of the contract, generally the Guaranteed minimum death benefit will automatically terminate, except under certain circumstances. See “Transfers of ownership, collateral assignments, loans and borrowing” in “More information” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Guaranteed minimum death benefits are subject to state availability and your age at contract issue. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, see Appendix “State contract availability and/or variations of certain features and benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For contracts with <div style="white-space:nowrap;display:inline;">non-natural</div> owners, the available death benefits are based on the annuitant’s age. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see both “Effect of your account values falling to zero” in “Determining your contract’s value” and “How withdrawals affect your Guaranteed benefits” and the section entitled “Charges and expenses” for more information on these Guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See Appendix “Guaranteed benefit base examples” for examples of how the benefit bases for the Guaranteed minimum death benefits work. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_22" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Payment of Death Benefit </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx69635_23" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Your beneficiary and payment of benefit </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You designate your beneficiary when you apply for your contract. You may change your beneficiary at any time while you are alive and the contract is in force. The change will be effective as of the date the written request is executed, whether or not you are living on the date the change is received in our processing office. We are not responsible for any beneficiary change request that we do not receive. We will send you a written confirmation when we receive your request. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under jointly owned contracts, the surviving owner is considered the beneficiary, and will take the place of any other beneficiary. Under a contract with a <div style="white-space:nowrap;display:inline;">non-natural</div> owner that has joint annuitants who continue to be spouses at the time of death, the surviving annuitant is considered the beneficiary, and will take the place of any other beneficiary. In a QP contract, the beneficiary must be the plan trust. Where an NQ contract is owned for the benefit of a minor pursuant to the Uniform Gifts to Minors Act or the Uniform Transfers to Minors Act, the beneficiary must be the estate of the minor. Where an IRA contract is owned in a custodial individual retirement account, the custodian must be the beneficiary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The death benefit in connection with your Investment account is equal to your Investment account value as of the date we receive satisfactory proof of the owner’s (or older joint owner’s, if applicable) death, any required instructions for the method of payment, forms necessary to effect payment and any other information we may require. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, the Investment account value used to determine the death benefit will first be reduced by the amount of any credits applied to contributions made during the <div style="white-space:nowrap;display:inline;">one-year</div> period prior to the owner’s (or older joint owner’s, if applicable) death. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The death benefit in connection with any amount in your Protected Benefit account is equal to your Protected Benefit account value or, if greater, the applicable Guaranteed minimum death benefit. We determine the amount of the death benefit (other than the applicable Guaranteed minimum death benefit), as of the date we receive satisfactory proof of the owner’s (or older joint owner’s, if applicable) death, any required instructions for the method of payment, forms necessary to effect payment and any other information we may require (date of claim). However, this is not the case if the beneficiary of your contract is your spouse and he or she decides to roll over the death benefit to another contract issued by us. See “Effect of the owner’s death”. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, the Protected Benefit account value used to determine the death benefit will first be reduced by the amount of any credits applied to contributions made during the <div style="white-space:nowrap;display:inline;">one-year</div> period prior to the owner’s (or older joint owner’s, if applicable) death. The amount of the applicable Guaranteed minimum death benefit will be such Guaranteed minimum death benefit as of the date of the owner’s (or older joint owner’s, if applicable) death adjusted for any subsequent withdrawals. If you elected the RMD Wealth Guard death benefit, the RMD Wealth Guard death benefit base will be reduced on a dollar-for-dollar basis by any withdrawals taken between December 31 of the calendar year of the date of death and the date of claim. Payment of the death benefit terminates the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">When we use the terms “owner” and “joint owner”, we intend these to be references to annuitant and joint annuitant, respectively, if the contract has a <div style="white-space:nowrap;display:inline;">non-natural</div> owner. If the contract is jointly owned or is issued to a <div style="white-space:nowrap;display:inline;">non-natural</div> owner, the death benefit is payable upon the death of the older joint owner or older joint annuitant, as applicable. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Subject to applicable laws and regulations, you may impose restrictions on the timing and manner of the payment of the </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">death benefit to your beneficiary. For example, your beneficiary designation may specify the form of death benefit payout (such as a life annuity), provided the payout you elect is one that we offer both at the time of designation and when the death benefit is payable. In general, the beneficiary will have no right to change the election. However, you should be aware that (i) in accordance with current federal income tax rules, we apply a predetermined death benefit annuity payout election only if payment of the death benefit amount begins within one year following the date of death, which payment may not occur if the beneficiary has failed to provide all required information before the end of that period, (ii) we will not apply the predetermined death benefit payout election if doing so would violate any federal income tax rules or any other applicable law, and (iii) a beneficiary or a successor owner who continues the contract under one of the continuation options described below will have the right to change your annuity payout election. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, if the annuitant dies, the owner (or older joint owner, if applicable) will become the annuitant, and the death benefit is not payable. If the contract had joint annuitants, it will become a single annuitant contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Equitable Access Account </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">If the beneficiary is a natural person (i.e., not an entity such as a corporation or a trust) and so elects, death benefit proceeds can be paid through the “Equitable Access Account,” which is a draft account that works in certain respects like an interest-bearing checking account. In that case, we will send the beneficiary a draftbook, and the beneficiary will have immediate access to the proceeds by writing a draft for all or part of the amount of the death benefit proceeds. The Company will retain the funds until a draft is presented for payment. Interest on the Equitable Access Account is earned from the date we establish the account until the account is closed by your beneficiary or by us if the account balance falls below the minimum balance requirement, which is currently $1,000. The Equitable Access Account is part of the Company’s general account and is subject to the claims of our creditors. We will receive any investment earnings during the period such amounts remain in the general account. The Equitable Access Account is not a bank account or a checking account and it is not insured by the FDIC. Funds held by insurance companies in the general account are guaranteed by the respective state guaranty association. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Effect of the owner’s death </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, if the owner dies while the contract is in force, the contract terminates and the applicable death benefit is paid. If the contract is jointly owned, the death benefit is payable upon the death of the older owner. If the contract has a <div style="white-space:nowrap;display:inline;">non-natural</div> owner, the death benefit is payable upon the death of the annuitant. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">There are various circumstances, however, in which the contract can be continued by a successor owner or under a Beneficiary continuation option (“BCO”). For contracts with spouses who are joint owners, the surviving spouse will automatically be able to continue the contract under the </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">“Spousal continuation” feature or under our Beneficiary continuation option, as discussed below. For contracts with <div style="white-space:nowrap;display:inline;">non-spousal</div> joint owners, the joint owner will be able to continue the contract as a successor owner subject to the limitations discussed under “Non-spousal joint owner contract continuation.” </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you are the sole owner, your surviving spouse may have the option to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">take the death benefit proceeds in a lump sum; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">exercise the GMIB (if applicable), if the surviving spouse is age 85 or older at the time of your death; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">continue the contract as a successor owner under “Spousal continuation” (if your spouse is the sole primary beneficiary) or under our Beneficiary continuation option, as discussed below; or </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">roll the death benefit proceeds over into another contract. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the GMIB, and your surviving spouse is age 85 or older at the time of your death and wishes to exercise the GMIB, we must receive the exercise election within twelve months of your date of death. The annuity purchase factors that apply in calculating the GMIB payments to your surviving spouse differ from the annuity purchase factors that we generally use to calculate GMIB payments. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your surviving spouse rolls over the death benefit proceeds into a contract issued by us, the amount of the death benefit will be calculated as of the date we receive all requirements necessary to issue your spouse’s new contract. Any death proceeds will remain invested in this contract until your spouse’s new contract is issued. The amount of the death benefit will be calculated to equal the greater of the account value (as of the date your spouse’s new contract is issued) and the applicable Guaranteed minimum death benefit (as of the date of your death). This means that the death benefit proceeds could vary up or down, based on investment performance, until your spouse’s new contract is issued. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the surviving joint owner is not the surviving spouse, or, for single owner contracts, if the beneficiary is not the surviving spouse, federal income tax rules generally require payments of amounts under the contract to be made within five years of an owner’s death (the <div style="white-space:nowrap;display:inline;">“5-year</div> rule”). In certain cases, an individual beneficiary or <div style="white-space:nowrap;display:inline;">non-spousal</div> surviving joint owner may opt to receive payments over his/her life (or over a period not in excess of his/her life expectancy) if payments commence within one year of the owner’s death. Any such election must be made in accordance with our rules at the time of death. If the beneficiary of a contract with one owner or a younger <div style="white-space:nowrap;display:inline;">non-spousal</div> joint owner continues the contract under the <div style="white-space:nowrap;display:inline;">5-year</div> rule, in general, all Guaranteed benefits and their charges will end. For more information on <div style="white-space:nowrap;display:inline;">non-spousal</div> joint owner contract continuation, see the section immediately below. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_24" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="white-space:nowrap;display:inline;">Non-spousal</div> joint owner contract continuation </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Upon the death of either owner, the surviving joint owner becomes the sole owner. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Any death benefit (if the older owner dies first) or cash value (if the younger owner dies first) must be fully paid to the surviving joint owner within five years. The surviving owner may instead elect to receive a life annuity, provided payments begin within one year of the deceased owner’s death. If the life annuity is elected, the contract and all benefits terminate. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the older owner dies first, we will increase the account value to equal the Guaranteed minimum death benefit, if higher. The surviving owner can elect to (1) take a lump sum payment; (2) annuitize within one year; (3) continue the contract for up to five years and any GMIB and charge will be terminated; or (4) continue the contract under the Beneficiary continuation option. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, if any contributions are made during the <div style="white-space:nowrap;display:inline;">one-year</div> period prior to the owner’s death, the account value will first be reduced by any credits applied to any such contributions. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the contract continues, any Guaranteed minimum death benefit and associated charge will be discontinued. Withdrawal charges, if applicable, will no longer apply, and no subsequent contributions will be permitted. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the younger owner dies first, the surviving owner can elect to (1) take a lump sum payment; (2) annuitize within one year; (3) continue the contract for up to five years; or (4) continue the contract under the Beneficiary continuation option. If the contract continues under the <div style="white-space:nowrap;display:inline;">“5-year</div> rule”, the death benefit is not payable and the Guaranteed minimum death benefit, if applicable, will continue without change. In general, the GMIB and charge will be discontinued. Withdrawal charges, if applicable, will continue to apply and no subsequent contributions will be permitted. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_25" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Spousal continuation </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you are the contract owner and your spouse is the sole primary beneficiary or you jointly own the contract with your younger spouse, your spouse may elect to continue the contract as successor owner upon your death. Spousal beneficiaries (who are not also joint owners) must be 85 or younger as of the date of the deceased spouse’s death in order to continue the contract under Spousal continuation. The determination of spousal status is made under applicable state law. However, in the event of a conflict between federal and state law, we follow federal rules. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Upon your death, the younger spouse joint owner (for NQ contracts only) or the spouse beneficiary (under a single owner contract), may elect to receive the death benefit, continue the contract under our Beneficiary continuation option (as discussed in this section) or continue the contract, as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">In general, withdrawal charges will no longer apply to contributions made before your death. Withdrawal charges if applicable will apply if subsequent contributions are made. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">For contracts with the Return of Principal death benefit, a surviving spouse age 80 or younger on the date of your death can continue the contract with the Return of Principal death benefit and can continue funding the Protected Benefit account through age 80. </td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:arial">A surviving spouse age 81 or older on the date of your death can continue the contract but the Return of Principal death benefit amount will be frozen. This means that the Return of Principal death benefit base will no longer increase and will be subject to pro rata reduction for any subsequent withdrawals. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">For contracts with the Highest Anniversary Value or “Greater of” death benefit, as applicable, the following applies: </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If the surviving spouse is age 65 or younger on the date of your death for contracts with the “Greater of” death benefit or age 80 or younger for contracts with the Highest Anniversary Value death benefit, and you were age 84 or younger at death, the Guaranteed minimum death benefit continues and will continue to grow according to its terms until the contract date anniversary following the date the surviving spouse reaches age 85. The charge for the applicable Guaranteed minimum death benefit will continue to apply, even after the Guaranteed minimum death benefit no longer rolls up or is no longer eligible for resets. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If the surviving spouse is age 65 or younger on the date of your death for contracts with the “Greater of” death benefit or age 80 or younger for contracts with the Highest Anniversary Value death benefit and you were age 85 or older at death, we will reinstate the Guaranteed minimum death benefit under the contract. The benefit base (which had previously been frozen at age 85) will now continue to grow according to its terms until the contract date anniversary following the date the surviving spouse reaches age 85. The charge for the Guaranteed minimum death benefit will continue to apply, even after the Guaranteed minimum death benefit no longer rolls up or is no longer eligible for resets. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If the “Greater of” death benefit continues, the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base reset, and any Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount or Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount, as applicable, will be based on the surviving spouse’s age. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If the surviving spouse is age 81 or older on the date of your death, for contracts with the Highest Anniversary Value death benefit, that death benefit will be frozen, which means: </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">On the date your spouse elects to continue the contract, the value of the Highest Anniversary Value death benefit will be set to equal the amount of the Highest Anniversary Value benefit base on the date of your death. If your Total account value is higher than the Highest Anniversary Value benefit base on the date of your death, the Highest Anniversary Value benefit base <div style="font-weight:bold;display:inline;">will not be increased </div>to equal your Total account value. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt;text-align:left">The Highest Anniversary Value death benefit will no longer be eligible to increase, and will </div></td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:54pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt">be subject to pro rata reduction for any subsequent withdrawals. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The charge for the Highest Anniversary Value death benefit will be discontinued. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the death of your spouse, the beneficiary will receive, as of the date of death, the greater of the Total account value and the value of the Highest Anniversary death benefit. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If the surviving spouse is age 66 or over on the date of your death, for contracts with the “Greater of” death benefit, that death benefit will be frozen, which means: </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">On the date your spouse elects to continue the contract, the value of the “Greater of” death benefit will be set to equal the amount of the “Greater of” death benefit base on the date of your death. If your Total account value is higher than the “Greater of” death benefit base on the date of your death, the “Greater of” death benefit base <div style="font-weight:bold;display:inline;">will not be increased </div>to equal your Total account value. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The “Greater of” death benefit will no longer be eligible to increase, and will be subject to pro rata reduction for any subsequent withdrawals. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The charge for the “Greater of” death benefit will be discontinued. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the death of your spouse, the beneficiary will receive, as of the date of death, the greater of the Total account value and the value of the Guaranteed minimum death benefit. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">In all cases, whether the Guaranteed minimum death benefit continues or is discontinued, if your Total account value is lower than the “Greater of” death benefit base on the date of your death, your Total account value <div style="font-weight:bold;display:inline;">will</div> <div style="font-weight:bold;display:inline;">be increased</div> to equal the “Greater of” death benefit base. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:arial">Even though the “Greater of” death benefit is frozen, the surviving spouse can continue the contract with the Return of Principal death benefit and can continue funding the Protected Benefit account through age 80. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">For contracts with the RMD Wealth Guard death benefit, the following applies: </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">We will increase the Protected Benefit account value to equal RMD Wealth Guard death benefit base, if higher. This increase will be excluded from the total contributions portion of the calculation of any future RMD Wealth Guard Refund amount, if applicable. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Withdrawal charges will not apply to the Protected Benefit account value at the time the surviving spouse elects to continue the contract, but they will apply to any contributions made by the surviving spouse after the owner’s death. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If the surviving spouse is age 68 or younger on the date of death, the RMD Wealth Guard death benefit </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36pt"> </td> <td style="vertical-align:top;text-align:left">continues. The applicable fee for the RMD Wealth Guard death benefit will be based on the surviving spouse’s age at the time of the owner’s death, and will be higher if the surviving spouse is age 65 or higher as of the date of death and the deceased owner was under age 65 when the contract was issued. The RMD Wealth Guard death benefit base will continue to grow (or, if the benefit base had been frozen upon the owner reaching age 85, resume growing) according to its terms until the contract date anniversary following the earlier of (i) the first RMD withdrawal from the Protected Benefit account and (ii) the date the surviving spouse reaches age 85. Any fees for the RMD Wealth Guard death benefit collected between the date of death and the date of claim will not be refunded. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If age 68 or younger on the date of death, the surviving spouse can fund the RMD Wealth Guard death benefit base if the deceased contract owner had been eligible to fund it but did not do so, or increase the RMD Wealth Guard death benefit base, by contributing or transferring additional amounts to the Protected Benefit Account, subject to the restrictions on contributions and transfers to the Protected Benefit Account described in Appendix “Rule regarding contributions to your contract” and “Transferring your account value” in “Transferring your money among investment options”. Specifically, the restrictions on contributions and transfers that apply to contract owners age 20-64 on their contract date also apply to a surviving spouse age 20-64 on the date of death, and the rules that apply to contract owners age 65-68 on their contract date also apply to a surviving spouse aged 65-68 on the date of death. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If the surviving spouse is age 69 or older at the time of the owner’s death, and the Protected Benefit account has value, the RMD Wealth Guard death benefit amount will be frozen. This means that the RMD Wealth Guard death benefit base will no longer increase and will be subject to pro rata reduction for any subsequent withdrawals, including RMD withdrawals. The charge for the RMD Wealth Guard death benefit will be discontinued and the RMD Wealth Guard Refund feature will no longer apply. If the Protected Benefit account has no value, the RMD Wealth Guard death benefit will terminate and the charge will be discontinued. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">A surviving spouse who does not wish to continue the RMD Wealth Guard death benefit can terminate the benefit by taking a full withdrawal of the Protected Benefit account or making a one-time transfer to the Investment account variable investment options and guaranteed interest option. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">When deciding whether or not to continue the contract, please consider the value of the death benefit if taken as a lump sum and the value of the death benefit if the contract is continued, especially if post-death withdrawals occurred, as the values may differ. </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB may continue if the benefit had not already terminated and the benefit will be based on the surviving spouse’s age at the date of the deceased spouse’s death. See “Exercise rules” under ‘‘Guaranteed minimum income benefit (‘‘GMIB’’)’’ in “Benefits available under the contract” in this Prospectus. If the GMIB continues, the charge for the GMIB will continue to apply. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Where an NQ contract is owned by a Living Trust, as defined in the contract, and at the time of the annuitant’s death the annuitant’s spouse is the sole beneficiary of the Living Trust, the Trustee, as owner of the contract, may request that the spouse be substituted as annuitant as of the date of the annuitant’s death. No further change of annuitant will be permitted. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Where an IRA contract is owned in a custodial individual retirement account, and your spouse is the sole beneficiary of the account, the custodian may request that the spouse be substituted as annuitant after your death. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For jointly owned NQ contracts, if the younger spouse dies first no death benefit is paid, and the contract continues as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Guaranteed benefits continue to be based on the older spouse’s age for the life of the contract. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If the deceased spouse was the annuitant, the surviving spouse becomes the annuitant. If the deceased spouse was a joint annuitant, the contract will become a single annuitant contract. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The withdrawal charge schedule, if applicable, remains in effect. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you divorce, Spousal continuation does not apply. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_26" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Beneficiary continuation option </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">This feature permits a designated individual, on the contract owner’s death, to maintain a contract with the deceased contract owner’s name on it and receive distributions under the contract, instead of receiving the death benefit in a single sum. We make this option available to beneficiaries under traditional IRA, Roth IRA and NQ contracts, subject to state availability. For traditional and Roth IRAs, depending on the beneficiary, this option may be restricted for deaths after December 31, 2019, due to the changes made by the Setting Every Community Up for Retirement Enhancement Act (“SECURE Act”) enacted at the end of 2019. Please speak with your financial professional for further information. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, including information on the availability of the Beneficiary continuation option in your state, see Appendix “State contract availability and/or variations of certain features and benefits”. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">Where an IRA contract is owned in a custodial individual retirement account, the custodian may reinvest the death benefit in an individual retirement annuity contract, using the account beneficiary as the annuitant. Depending on the beneficiary, this option may be restricted for deaths after December 31, 2019, due to the changes made by the SECURE Act. Please speak with your financial professional for further information. </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Beneficiary continuation option for traditional IRA and Roth IRA contracts only. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">The Beneficiary continuation option must be elected by September 30th of the year following the calendar year of your death and before any other inconsistent election is made. Beneficiaries who do not make a timely election will not be eligible for this option. If the election is made, then, as of the date we receive satisfactory proof of death, any required instructions, information and forms necessary to effect the Beneficiary continuation option feature, we will increase the Protected Benefit account value to equal the applicable death benefit if such death benefit is greater than such account value, adjusted for any subsequent withdrawals. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, if any contributions are made during the <div style="white-space:nowrap;display:inline;">one-year</div> period prior to the owner’s death, the account value will first be reduced by any credits applied to any such contributions. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">For deaths after December 31, 2019, only specified individuals who are “eligible designated beneficiaries” or “EDBs” may stretch post-death payments over the beneficiary’s life expectancy. See “required minimum distributions after your death” under “Tax Information.” Individual beneficiaries who do not have EDB status (including beneficiaries named by the original beneficiary to receive any remaining interest after the death of the original beneficiary) must take out any remaining interest in the IRA or plan within 10 years of the applicable death. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under the Beneficiary continuation option for IRA and Roth IRA contracts: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The contract continues with your name on it for the benefit of your beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary replaces the deceased owner as annuitant. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">This feature is only available if the beneficiary is an individual. Certain trusts with only individual beneficiaries will be treated as individuals for this purpose. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If there is more than one beneficiary, each beneficiary’s share will be separately accounted for. It will be distributed over the beneficiary’s own life expectancy, if payments over life expectancy are chosen. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The minimum amount that is required in order to elect the Beneficiary continuation option is $5,000 for each beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary may make transfers among the Investment account variable investment options and the guaranteed interest option (subject to our rules) but no subsequent contributions will be permitted. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Protected Benefit account variable investment options will no longer be available and no value can be allocated to those investment options. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If any Guaranteed benefits are in effect under the contract, they will no longer be in effect and charges for such benefits will stop. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary may choose at any time to withdraw all or a portion of the Total account value and no withdrawal charges, if any, will apply. </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any partial withdrawal must be at least $300. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your beneficiary will have the right to name a beneficiary to receive any remaining interest in the contract. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the death of your beneficiary, the following distribution rules will apply to the subsequent beneficiary named by your beneficiary: (1) if your beneficiary is an EDB or you died on or before December 31, 2019, the subsequent beneficiary must withdraw any remaining amount within ten years of your beneficiary’s death; or (2) if your beneficiary is not an EDB, the subsequent beneficiary must withdraw any remaining amount within 10 years of your death. The option elected will be processed when we receive satisfactory proof of death, any required instructions for the method of payment and any required information and forms necessary to effect payment. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">For beneficiaries who are required to take the entire interest within 10 years, we offer our post-death automatic RMD option to help the beneficiary meet the RMD requirements if the deceased owner died on or after the Required Beginning Date. We calculate post-death RMD payments using the beneficiary’s life expectancy determined in accordance with IRS tables. Instead of electing our post-death automatic RMD option, your beneficiary may choose to calculate the required amount themselves and request partial withdrawals. Regardless of whether your beneficiary elects this option, any remaining amounts will be distributed to your beneficiary by the end of the 10th calendar year following the year of your death. It is the beneficiary’s responsibility to ensure compliance with the post-death RMD rules under federal tax law. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Beneficiary continuation option for NQ contracts only. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">This feature, also known as Inherited annuity, may only be elected when the NQ contract owner dies before the annuity maturity date, whether or not the owner and the annuitant are the same person. For purposes of this discussion, “beneficiary” refers to the successor owner. This feature must be elected within 9 months following the date of your death and before any other inconsistent election is made. Beneficiaries who do not make a timely election will not be eligible for this option. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Generally, payments will be made once a year to the beneficiary over the beneficiary’s life expectancy, determined on a term certain basis and in the year payments start. These payments must begin no later than one year after the date of your death and are referred to as “scheduled payments.” The beneficiary may choose the <div style="white-space:nowrap;display:inline;">“5-year</div> rule” instead of scheduled payments over life expectancy. If the beneficiary chooses the <div style="white-space:nowrap;display:inline;">5-year</div> rule, there will be no scheduled payments. Under the <div style="white-space:nowrap;display:inline;">5-year</div> rule, the beneficiary may take withdrawals as desired, but the entire account value must be fully withdrawn by the fifth anniversary of your death. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under the Beneficiary continuation option for NQ contracts: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">This feature is only available if the beneficiary is an individual. It is not available for any entity such as a trust, even if all of the beneficiaries of the trust are individuals. </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary automatically replaces the existing annuitant. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The contract continues with your name on it for the benefit of your beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If there is more than one beneficiary, each beneficiary’s share will be separately accounted for. It will be distributed over the respective beneficiary’s own life expectancy, if scheduled payments are chosen. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The minimum amount that is required in order to elect the Beneficiary continuation option is $5,000 for each beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary may make transfers among the Investment account variable investment options but no subsequent contributions will be permitted. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Protected Benefit account variable investment options will no longer be available and no value can be allocated to those investment options. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If any Guaranteed benefits are in effect under the contract, they will no longer be in effect and charges for such benefits will stop. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If the beneficiary chooses the <div style="white-space:nowrap;display:inline;">“5-year</div> rule,” withdrawals may be made at any time. If the beneficiary instead chooses scheduled payments, the beneficiary may also take withdrawals, in addition to scheduled payments, at any time. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any partial withdrawals must be at least $300. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your beneficiary will have the right to name a beneficiary to receive any remaining interest in the contract on the beneficiary’s death. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the death of your beneficiary, the beneficiary he or she has named has the option to either continue taking scheduled payments based on the remaining life expectancy of the deceased beneficiary (if scheduled payments were chosen) or to receive any remaining interest in the contract in a lump sum. We will pay any remaining interest in the contract in a lump sum if your beneficiary elects the <div style="white-space:nowrap;display:inline;">5-year</div> rule. The option elected will be processed when we receive satisfactory proof of death, any required instructions for the method of payment and any required information and forms necessary to effect payment. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">If the deceased is the owner or the older joint owner: </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">As of the date we receive satisfactory proof of death, any required instructions, information and forms necessary to effect the Beneficiary continuation option feature, we will increase the Protected Benefit account value to equal the applicable death benefit if such death benefit is greater than such Protected Benefit account value adjusted for any subsequent withdrawals. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, if any contributions are made during the <div style="white-space:nowrap;display:inline;">one-year</div> period prior to the owner’s death, the account value will first be reduced by any credits applied to any such contributions. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">No withdrawal charges, if applicable, will apply to any withdrawals by the beneficiary. </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">If the deceased is the younger <div style="white-space:nowrap;display:inline;">non-spousal</div> joint owner: </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The account value will not be reset to the death benefit amount. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The contract’s withdrawal charge schedule, if applicable, will continue to be applied to any withdrawal or surrender other than scheduled payments; the contract’s free withdrawal amount will continue to apply to withdrawals but does not apply to surrenders. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">We do not impose a withdrawal charge on scheduled payments except if, when added to any withdrawals previously taken in the same contract year, including for this purpose a contract surrender, the total amount of withdrawals and scheduled payments exceed the free withdrawal amount. See the “Withdrawal charges” in “Charges and expenses”, if applicable. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A surviving spouse should speak to his or her tax professional about whether Spousal continuation or the Beneficiary continuation option is appropriate for him or her. Factors to consider include, but are not limited to, the surviving spouse’s age, need for immediate income and a desire to continue any Guaranteed benefits under the contract. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_27" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Living Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx69635_28" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Guaranteed minimum income benefit </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">This section describes the Guaranteed minimum income benefit, or “GMIB”. The current charge for this benefit is 1.15%. The GMIB guarantees, subject to certain restrictions, annual lifetime payments (“Lifetime GMIB payments”) that are calculated by applying your GMIB benefit base, less any applicable withdrawal charge remaining, to guaranteed annuity purchase factors. You choose whether you want the option to be paid on a single or joint life basis at the time the GMIB is exercised. This benefit provides a minimum guarantee that may never come into effect. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Lifetime GMIB payments will begin at the earliest of: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">the next contract year following the date your Protected Benefit account value falls to zero (provided the no lapse guarantee is in effect); </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">the contract date anniversary following your 95th birthday; or </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">your election to exercise the GMIB. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We reserve the right to change the annuity option or make other forms of payout options available at any time. For a description of payout options, see “Your annuity payout options” in “Accessing your money”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When you exercise the GMIB, the annual lifetime income that you will receive will be the greater of (i) your GMIB which is calculated by applying your GMIB benefit base, less any applicable withdrawal charge remaining (if exercised prior to age 95), to GMIB guaranteed annuity purchase factors, or (ii) the income provided by applying your Protected Benefit account value to our then current annuity purchase factors or base contract guaranteed annuity purchase factors. The GMIB benefit base is applied only to the guaranteed annuity purchase factors under the GMIB in your </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">contract and not to any other guaranteed or current annuity purchase rates. Your Total account value is never applied to the guaranteed annuity purchase factors under GMIB. The amount of income you actually receive will be determined when we receive your request to exercise the benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If there is no Investment account value remaining when you elect to receive annual lifetime income, your contract (including its death benefit and any account or cash values) will terminate and you will receive a new contract for the annuity payout option. For a discussion of when your payments will begin and end, see “Exercise of GMIB”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Before you elect the GMIB, you should consider the fact that it provides a form of insurance and is based on conservative</div> <div style="font-weight:bold;display:inline;">ac</div><div style="font-weight:bold;display:inline;">tuarial factors. Therefore, even if your Protected Benefit</div> <div style="font-weight:bold;display:inline;">account value is less than your benefit base, you may generate more income by applying</div> <div style="font-weight:bold;display:inline;">your Protected Benefit account value to current annuity purchase factors.</div> We will make this comparison for you upon request. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Surrendering your contract will terminate your GMIB. Please see “Surrendering your contract to receive its cash value” in “Accessing your money”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB also allows you to take certain withdrawals (your “Annual withdrawal amount”) prior to the beginning of your Lifetime GMIB payments without reducing your GMIB benefit base. Your Annual withdrawal amount for the next contract year is calculated each contract date anniversary by applying a percentage (“the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate”) to your GMIB benefit base. Lifetime GMIB payments and your Annual withdrawal amount are described in this section. With respect to your GMIB, it is important to note the following: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Once a withdrawal is taken from your Protected Benefit account, you cannot make additional contributions to your Protected Benefit account, either directly or through a Special DCA program. You can, however, continue to make transfers from your Investment account to the Protected Benefit account variable investment options until such time you make a subsequent contribution to your Investment account at which point transfers into the Protected Benefit account will no longer be available. Scheduled transfers from an existing Special DCA program will continue, even after such subsequent contribution is made to the Investment account. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Withdrawals in excess of your Annual withdrawal amount (an “Excess withdrawal”) can greatly reduce the value of your GMIB. An Excess withdrawal that reduces your Protected Benefit account value to zero will cause your GMIB to terminate. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In order to fund your Guaranteed minimum income benefit, you must make contributions or transfers to the Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB can be elected by owners age 20 – 80 (ages 20 – 70 for Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div>) and with all contract types except Inherited IRA. If the contract is jointly owned, eligibility for the GMIB will be based on the older owner’s age. The GMIB </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">cannot be added to your contract at a later date, if you do not elect this benefit at issue. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can drop your GMIB at any time prior to funding your Protected Benefit account. If you fund your Protected Benefit account at issue, you can drop your GMIB provided that all contributions to the contract are no longer subject to withdrawal charges. If you fund your Protected Benefit account after issue, you cannot drop the GMIB until the later of (i) the contract date anniversary following the date the Protected Benefit account is funded, and (ii) the expiration of all withdrawal charges. It is important to note that if you decide to drop your GMIB, either before or after funding your Protected Benefit account, your Guaranteed minimum death benefit may be affected. Please see “Dropping or changing your Guaranteed benefits” and Appendix “Dropping or changing your Guaranteed benefits” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When you purchase a contract with the GMIB, you can combine it with one of our Guaranteed minimum death benefits: (i) the Return of Principal death benefit, (ii) the Highest Anniversary Value death benefit, or (iii) the “Greater of” death benefit. The GMIB cannot be combined with the “Greater of” death benefit if you are age 66 or older at the time your contract is issued. The GMIB cannot be combined with the RMD Wealth Guard death benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">There is an additional charge for the GMIB which is described under “Guaranteed minimum income benefit charge” in “Charges and expenses”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the GMIB and change ownership of the contract, this benefit will automatically terminate, except under certain circumstances. See “Transfers of ownership, collateral assignments, loans and borrowing” in “More information”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">The Guaranteed minimum income benefit should be regarded as a safety net only. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">GMIB benefit base </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your GMIB has a benefit base. We apply a Roll-up rate to your GMIB benefit base. When you purchase your contract, you may elect either the GMIB Two-Year Lock or the GMIB Multi-Year Lock. Once you choose a Lock-in Rate option, it cannot be changed. See “GMIB benefit base” and “New business rates” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your GMIB benefit base is not an account value or cash value. The GMIB benefit base is used to calculate your Lifetime GMIB payments, your Annual withdrawal amount and the charge for the benefit. Your GMIB benefit base is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts in a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any transfers to the Protected Benefit account variable investment options; less </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects any “Excess withdrawal” amounts (plus any applicable withdrawal charges); less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects (a) in the contract year of first funding, the dollar amount of any RMD from the Protected Benefit account taken through our RMD program and (b) in the subsequent contract years, the dollar amount of any RMD from the Protected Benefit account in excess of the Annual withdrawal amount taken through our RMD program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">“Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount” OR any “Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount”, minus a deduction that reflects any withdrawals up to the Annual withdrawal amount. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. Any such withdrawal will reduce (i) your Roll-up to age 85 benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. (Withdrawal charges do not apply to amounts withdrawn up to the Annual withdrawal amount.) </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Either the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount or the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is credited to the benefit bases of your Guaranteed benefits on each contract date anniversary. These amounts are calculated by taking into account your GMIB benefit base from the preceding contract date anniversary, the applicable <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract, contributions and transfers to the Protected Benefit account during the contract year and for the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount, any withdrawals up to the Annual withdrawal amount during the contract year. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. Any such withdrawal will reduce (i) your Roll-up to age 85 benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. However, a RMD withdrawal from our RMD program will not reduce your Annual Roll-up amount in the year you first fund your Protected Benefit account. The calculation of both the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount are discussed in this section. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;"></div>Beginning in the contract year that follows the contract year in which you fund your Protected Benefit account, if your Lifetime GMIB payments have not begun, you can withdraw up to your Annual withdrawal<div style="font-weight:bold;display:inline;"> </div>amount without reducing your GMIB benefit base. However, those same withdrawals will reduce the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount that would otherwise be applied to the GMIB benefit base at the end of the contract year. Remember that the <div style="white-space:nowrap;display:inline;">Roll-up</div> amount applicable under your contract<div style="font-weight:bold;display:inline;"> </div>does not become part of your GMIB benefit base<div style="font-weight:bold;display:inline;"> </div>until the end of the<div style="font-weight:bold;display:inline;"> </div>contract year. <div style="font-weight:bold;display:inline;">The portion of any withdrawal in excess of your Annual withdrawal amount will reduce your GMIB benefit base on a pro rata basis. See “Annual withdrawal amount”. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Unless you decline or elect a different annual reset option, you will be enrolled in the automatic annual reset program </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">and your GMIB benefit base will automatically “reset” to equal the Protected Benefit account value, if higher, on every contract date anniversary from your contract date, up to the contract date anniversary following your 95th birthday or contract maturity, if earlier. See “Annual reset options”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Only amounts you allocate to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for the Protected Benefit account variable investment options will fund your GMIB. These amounts will be included in your GMIB benefit base and will become part of your Protected Benefit account value. See “Allocating your contributions” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You purchase a Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> — Series B contract with an initial contribution of $100,000 and allocate $60,000 to the Protected Benefit account variable investment options and $40,000 to the Investment account variable investment options. Your initial GMIB benefit base will be $60,000. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can fund your GMIB benefit by allocating money to the Protected Benefit account variable investment options (either directly or through a special DCA program) immediately or at some later date. Allocations to the Protected Benefit account variable investment options also fund your Guaranteed minimum death benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your “Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount” and “Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount” are described below. Your GMIB benefit base stops “rolling up” on the contract date anniversary following the owner’s (or older joint owner’s, if applicable) 95th birthday. If the annuitant is older than the owner, the contract maturity date (the point at which Lifetime GMIB payments must begin and <div style="white-space:nowrap;display:inline;">Roll-ups</div> will end) will precede the owner’s 95th birthday. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For contracts with <div style="white-space:nowrap;display:inline;">non-natural</div> owners, the GMIB benefit base will be based on the annuitant’s (or older joint annuitant’s) age. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The amount of the deduction for an “Excess withdrawal” and the deduction for the Annual withdrawal amount are described under “How withdrawals affect your Guaranteed benefits”. The amount of any withdrawal charge is described under “Withdrawal charge” in “Charges and expenses”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts only, any credit amounts attributable to your contributions or Earnings bonus are not included in your GMIB benefit base. This includes credit or Earnings bonus amounts transferred from your Investment account. Credit and Earnings bonus amounts allocated to your Investment account are always considered transferred first. Amounts transferred in excess of credit or Earnings bonus amounts, which may include earnings on these amounts, will increase your GMIB benefit base. All transfers, however, will increase your Protected Benefit account value by the total amount of the transfer. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example, you make an initial contribution of $100,000 and allocate the entire $100,000 to the Investment account variable investment options. Your Investment account is credited with $3,000 (3% x $100,000). Assume you later transfer $4,000 to the Protected Benefit account variable </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">investment options, which represents the credit amount plus earnings, some of which are attributable to the credit amount. Your GMIB benefit base would equal $1,000 ($4,000 – $3,000). However, your Protected Benefit account value would still increase by the transfer, which in this example is $4,000. For more information, see “Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts and your Guaranteed benefit bases”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">As discussed in this section, your GMIB benefit base is not an account value or cash value. As a result, the GMIB benefit base cannot be split or divided in any proportion in connection with a divorce. See “How divorce may affect your Guaranteed benefits” in “More information.” </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix “Guaranteed benefit base examples” for an example of how the GMIB benefit base is calculated. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You do not have an Annual withdrawal amount in the first contract year in which you fund your Protected Benefit account. A withdrawal from your Protected Benefit account in the first contract year in which you fund the Protected Benefit account will reduce your GMIB benefit base on a pro rata basis. Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account, if your Lifetime GMIB payments have not begun, withdrawals up to your Annual withdrawal amount will not reduce your GMIB benefit base. The portion of a withdrawal in excess of your Annual withdrawal amount will reduce your GMIB benefit base on a pro rata basis. See “Annual withdrawal amount”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For a description of how the ATP exit option will impact your GMIB benefit base, see ‘‘ATP exit option’’. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">GMIB benefit base reset </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Unless you decline or elect a different annual reset option, you will be enrolled in the automatic annual reset program and your GMIB benefit base will automatically “reset” to equal the Protected Benefit account value, if higher, on every contract date anniversary from the date you first fund your Protected Benefit account, up to the contract date anniversary following your 95th birthday or contract maturity, if earlier. You must notify us in writing that you want to opt out of any automatic reset program. You can send us a written request to opt back in to an automatic reset program at a later date. We reserve the right to change or discontinue our reset programs at any time. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, on your contract date anniversary any credit or Earnings bonus amounts that are part of your Protected Benefit account value are included in the calculation of your GMIB benefit base reset. If you are eligible for an Earnings bonus on your contract date anniversary, the amount of the Earnings bonus will be credited to your Total account value after any reset is calculated. If a reset occurs, your Guaranteed benefit base(s) will not be increased by amounts associated with the Earnings bonus on that contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If a reset is not applicable on your contract date anniversary, the GMIB benefit base will not be eligible to be reset again until the next contract date anniversary. For jointly-owned </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">contracts, eligibility to reset the GMIB benefit base is based on the age of the older owner. For <div style="white-space:nowrap;display:inline;">non-naturally</div> owned contracts, eligibility is based on the age of the annuitant or older joint annuitant. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Annual reset options</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-weight:bold;display:inline;">.</div> We will send you a notice in each year that the GMIB benefit base is eligible to be reset. If you are not enrolled in either the automatic annual reset program or the automatic customized reset program you will have 30 days from your contract date anniversary to request a reset. At any time, you may choose one of the three available reset methods: one-time reset option, automatic annual reset program or automatic customized reset program. <div style="font-weight:bold;display:inline;">If, at the time of application, you do not decline the automatic annual reset program or elect a different annual reset option, you will be enrolled in the automatic annual reset program.</div> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;"></div><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">one-time reset option</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-style:italic;display:inline;"> — resets your GMIB benefit base on a single contract date anniversary. </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;"></div><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">automatic annual reset program</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-style:italic;display:inline;"> — automatically resets your GMIB benefit base on each contract date anniversary you are eligible for a reset. </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;"></div><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">automatic customized reset program</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-style:italic;display:inline;"> — automatically resets your GMIB benefit base on each contract date anniversary, if eligible, for the period you designate. </div></div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">One-time reset requests will be processed as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if your request is received within 30 days following your contract date anniversary, your GMIB benefit base will be reset, if eligible, as of that contract date anniversary. If your GMIB benefit base was not eligible for a reset on that contract date anniversary, your one-time reset request will be terminated; or </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if your request is received outside the 30 day period following your contract date anniversary, your GMIB benefit base will be reset, if eligible, on the next contract date anniversary. If your GMIB benefit base is not eligible for a reset, your one-time reset request will be terminated. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Once your one-time reset request is terminated, you must submit a new request in order to reset your benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you wish to cancel your elected reset program, your request must be received by our processing office at least one business day prior to your contract date anniversary to terminate your reset program for such contract date anniversary. Cancellation requests received after this window will be applied the following year. A reset cannot be cancelled after it has occurred. For more information, see ‘‘How to reach us’’. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Effect of GMIB Benefit Base Resets</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-weight:bold;display:inline;">.</div> <div style="font-weight:bold;display:inline;">It is important to note that once you have reset your GMIB benefit base, a new waiting period to exercise the GMIB will apply from the date of the reset. Your new exercise date will be the tenth contract date anniversary following the reset or, if later, the earliest date you would have been permitted to exercise without regard to the reset, but in no event will it be later than the contract date anniversary following</div> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">age 95.</div> See ‘‘Exercise rules’’ and ‘‘How withdrawals affect your Guaranteed benefits’’ for more information. Please note that in most cases, resetting your GMIB benefit base will lengthen the exercise waiting period. Also, even when there is no additional charge when you reset your Roll-up benefit base, the total dollar amount charged may increase as a result of the reset since the charges may be applied to a higher benefit base than would have been otherwise applied. See ‘‘Charges and expenses’’. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Owners of traditional IRA or QP contracts should consider the effect of the waiting period on the requirement to take lifetime required minimum distributions before resetting the GMIB benefit base. If a QP contract is converted to an IRA, in a direct rollover, the waiting period for the reset under the IRA contract will include any time that the QP contract was a funding vehicle under the plan. If a traditional IRA contract owner or a plan participant must begin taking lifetime required minimum distributions during the 10-year waiting period, the individual may want to consider taking the annual lifetime required minimum distribution calculated for the contract from another permissible contract or funding vehicle. See ‘‘How withdrawals affect your Guaranteed benefits’’ and ‘‘Lifetime required minimum distribution withdrawals’’ in ‘‘Accessing your money.’’ Also, see ‘‘Required minimum distributions’’ under ‘‘Individual retirement arrangements (IRAs)’’ in ‘‘Tax information’’ and Appendix ‘‘Purchase considerations for QP Contracts’’. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate your Annual withdrawal amount. It is also used to calculate amounts credited to your GMIB benefit base for the contract year in which the first withdrawal is made from your Protected Benefit account and all subsequent contract years. A different <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate amounts credited to your GMIB benefit base in the contract years prior to the first withdrawal from your Protected Benefit account — it is called the “Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate”. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is described below. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is variable and is tied to the <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate described below, but the minimum rate will never be less than 3% under the GMIB Multi-Year Lock or 4% under the GMIB Two-Year Lock (depending on the Rate-Hold option you select), or greater than 8% in all contract years. The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will be set at our discretion, subject to the stated minimum. We reserve the right, however, to declare an Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate that is greater than 8%. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate. </div></div></div>For each calendar quarter, this rate is the average of the rates for the <div style="white-space:nowrap;display:inline;">ten-year</div> U.S. Treasury notes on each day for which such rates are reported during the 20 calendar days ending on the 15th day of the last month of the preceding calendar quarter, plus 1.00%, rounded to the nearest 0.10%. U.S. Treasury rates will be determined from the Federal Reserve Board Constant Maturity Series or such comparable rates as may be published by the Federal Reserve Board or generally available reporting services if the Federal Reserve Board Constant Maturity Series is discontinued. </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is only used to calculate amounts credited to your GMIB benefit base through the end of the contract year that precedes the contract year in which the first withdrawal is made from your Protected Benefit account. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is never used to calculate your Annual withdrawal amount under the GMIB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Beginning with the first contract year in which you fund your Protected Benefit account, the <div style="white-space:nowrap;display:inline;">Roll-up</div> amount credited to your GMIB benefit base at the end of the contract year (the “Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount”) will be calculated using the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. Once you take a withdrawal from your Protected Benefit account, the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount will not be credited at the end of the contract year in which the withdrawal was taken and will terminate for the life of the contract. Instead, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount will be credited. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is designed as an incentive to defer taking your first withdrawal from your Protected Benefit account until later contract years while potentially building greater Guaranteed benefit bases with a higher <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is variable and is tied to the Deferral <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate described below. The minimum Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will never be less than 3% under the GMIB Multi-Year Lock or 4% under the GMIB Two-Year Lock (depending on the Rate-Hold option you select), or greater than 8% in all contract years up until the first withdrawal from the Protected Benefit account. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will be set at our discretion, subject to the stated minimum. We reserve the right, however, to declare a Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate that is greater than 8%. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Deferral <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate. </div></div></div>For each calendar quarter, this rate is the average of the rates for the <div style="white-space:nowrap;display:inline;">ten-year</div> U.S. Treasury notes on each day for which such rates are reported during the 20 calendar days ending on the 15th day of the last month of the preceding calendar quarter, plus 2.00%, rounded to the nearest 0.10%. U.S. Treasury rates will be determined from the Federal Reserve Board Constant Maturity Series or such comparable rates as may be published by the Federal Reserve Board or generally available reporting services if the Federal Reserve Board Constant Maturity Series is discontinued. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">As described above, both the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will never be less than 3% under the GMIB Multi-Year Lock or 4% under the GMIB Two-Year Lock (depending on the Rate-Hold option you select), or greater than 8% in all contract years. Based on the underlying formula rates that are used in arriving at the two <div style="white-space:nowrap;display:inline;">Roll-up</div> rates, it is expected that the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will generally be 1.00% greater than the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. However, this is not guaranteed. In certain interest rate environments, the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate may not always be 1.00% greater than the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. In some cases, it may be more or less than 1.00% greater than the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Also, the Lock-in Rate you choose, which is the rate declared for the rate-hold period, may affect your Deferral Roll-up </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">rate. In some cases, it may be more or less than 1.00% greater than the Annual Roll-up rate. The Lock-in Rates available under the Rate-Hold options are described further in this section under “New business rates.” </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Examples: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left"> </td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left"><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Example for the GMIB Multi-Year Lock</div></div></div><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">:</div></div></div> Assume the calculation of <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate results in an Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate of 2.75% and the calculation of the Deferral <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate results in a Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate of 3.75%. Since the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is subject to a guaranteed minimum of 3%, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate would be 3%. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate would remain 3.75% having met the same guaranteed minimum. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left"><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"></div></div></div><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:9pt; font-family:arial;text-align:left"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Example for the GMIB Two-Year Lock</div></div><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">:</div></div></div> Assume the calculation of Ten-Year Treasuries Formula Rate results in an Annual Roll-up rate of 3.25% and the calculation of the Deferral Ten-Year Treasuries Formula Rate results in a Deferral Roll-up rate of 4.25%. Since the Annual Roll-up rate is subject to a guaranteed minimum of 4%, the Annual Roll-up rate would be 4%. The Deferral Roll-up rate would remain 4.25% having met the same guaranteed minimum. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left"><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:9pt; font-family:arial;text-align:left"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Example for both Rate-Hold options</div></div>: Assume the calculation of <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate results in an Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate of 7.25% and the calculation of the Deferral <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate results in a Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate of 8.25%. Since the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is below the guaranteed maximum of 8%, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate would remain 7.25%. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate would be 8% because it would have exceeded our guaranteed maximum. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">It is important to note that on each contract date anniversary, we will apply either the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate or the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate to your GMIB benefit base based on whether you have ever taken a withdrawal from the Protected Benefit account. In statements we provide you, we will show you the <div style="white-space:nowrap;display:inline;">Roll-up</div> amounts under both rate scenarios. Once you take a withdrawal from your Protected Benefit account, the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will no longer be shown on your statements. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">New business rates. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">You have two Rate-Hold options to choose from at contract issue, the GMIB Two-Year Lock or the GMIB Multi-Year Lock. Once you choose a Rate-Hold option, it cannot be changed. Under the GMIB Two-Year Lock, the Lock-in Rate will apply during your first two contract years and the minimum Lock-in Rate in all contract years will never be less than 4%. Under the GMIB Multi-Year Lock, the Lock-in Rate will apply during the initial period that withdrawal charges may apply to your contract and the minimum Roll-up Rate for each contract year will be the greater of the Lock-in Rate or, the Ten-Year Treasuries Formula Rate. After the initial period that withdrawal charges may apply to your contract, the Roll-up rate will never be less than 3% or, if greater the Ten-Year Treasuries Formula Rate. Under the GMIB Two-Year Lock or the GMIB Multi-Year Lock, the Roll-up rate will never be greater than 8%. </div></div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Once a contract is issued with the Annual Roll-up and Deferral rates that are in effect for new business, those rates will be applicable for the time periods described above. Any transfers or contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the time period in which the Lock-in Rates are in effect will get the Lock-in Rates as described above. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Lock-in Rates are no longer applicable after the duration specified in your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">75 Day rate <div style="white-space:nowrap;display:inline;">lock-in. </div></div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">If your initial contribution is received at our processing office within 75 days of the date you sign your application, your initial Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will be as follows: if either the Deferral Roll-up rate or the Annual Roll-up rate is lower on the date your contract is issued than on the date you signed your application, your contract will be issued with the Roll-up rates in effect on the date you signed your application. However, if on the date your contract is issued one Roll-up rate is higher and the other Roll-up rate is at least equal to the rate in effect on the date you signed your application or both Roll-up rates are higher than the Roll-up rates on the date you signed your application, your contract will be issued with the Roll-up rates in effect on the date your contract is issued. If we do not receive your initial contribution within 75 days of the date you sign your application, then your initial Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will be the rates in effect on the date we issue your contract. However, our procedures may result in the return of your application if we do not receive your initial contribution within 75 days of the date you sign your application. For a <div style="white-space:nowrap;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">state-by-state</div></div> description of all material variations of this contract, including whether a different rate <div style="white-space:nowrap;display:inline;">lock-in</div> period applies in your state, see Appendix “State contract availability and/or variations of certain features and benefits”. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Examples: </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You sign your application for Retirement Cornerstone<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract on September 15th. On that date the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate and Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rates are 4.50% and 5.50%, respectively. Your initial contribution is received by way of a roll-over contribution on October 5th and the contract is issued the same day. On that date the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate and Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rates are 4.25% and 5.25%, respectively. In this example, your contract will be issued with the rates that were “locked in” at the time you signed your application, not the lower rates that were in effect on the date your contract was issued. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You sign your application for Retirement Cornerstone<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract on October 15th. On that date the Annual Roll-up rate and Deferral Roll-up rates are 4.50% and 5.00%, respectively. Your initial contribution is received by way of a rollover contribution on November 5th and the contract is issued the same day. On that date the Annual Roll-up rate and Deferral Roll-up rates are 4.75% and 5.25%, respectively. In this example, your contract will be issued with the rates that </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-family: arial; font-size: 10pt; line-height: normal;">were in effect at the time your contract was issued, not the lower rates that were in effect on the date your application was signed. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These are your Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> and Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> Lock-in Rates and they will apply to your contract for the applicable time period described above under the GMIB Two-Year Lock and the GMIB Multi-Year Lock. Thereafter, Renewal rates will apply. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Renewal rates. </div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">After the Lock-in Rates are no longer in effect, a new Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will apply to your contract. A new Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will also apply provided you have never taken a withdrawal from your Protected Benefit account. These “Renewal rates” will never be less than 3% under the GMIB Multi-Year Lock or 4% under the GMIB Two-Year Lock (depending on the Rate-Hold option you select), or, if greater, the underlying <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate (for the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate) and Deferral <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate (for the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate). </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These Renewal rates may be more than or less than, or equal to, your initial Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate and Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate. We also reserve the right to set new Lock-in Rates that are higher than Renewal rates. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Any transfers or contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program and any contribution amounts in a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options, after the first day of any contract year will get the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate and Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate in effect as of the most recent contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Notification of Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Renewal rates. </div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">If you elected the GMIB, your contract will indicate the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and the applicable time period those rates are in effect. These rates may not be the same rates that were illustrated prior to your purchase of the contract. If you choose to fund the GMIB after the new business rates have expired, you can contact a Customer Service Representative or visit www.equitable.com to find out the current Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and if applicable, the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate for your contract. In addition, your annual statement of contract values will show your current Renewal rates, as well as the previous year’s Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate or Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate (whichever applies) for your contract. This information can also be found online, through your Equitable Client portal. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate your Annual withdrawal amount and the credit to your GMIB benefit base if you have taken a withdrawal from your Protected Benefit account. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate the credit to your GMIB benefit base until a withdrawal is made. </div></div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual GMIB benefit base adjustment </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount is an amount credited to your GMIB benefit base on each contract date anniversary if there </div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">has ever been a withdrawal from your Protected Benefit account. The Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount adjustment to your GMIB benefit base is a primary way to increase the value of your GMIB benefit base. This amount is calculated by taking into account your GMIB benefit base from the preceding contract date anniversary, the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate under your contract, contributions and transfers to the Protected Benefit account during the contract year and any withdrawals up to the Annual withdrawal amount during the contract year. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. Any such withdrawal will reduce (i) your GMIB benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. However, a RMD withdrawal from our RMD program will not reduce your Annual Roll-up amount in the year you first fund your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount at the end of the contract year is calculated, as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your GMIB benefit base on the preceding contract date anniversary, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate that was in effect on the first day of the contract year; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any withdrawals up to the Annual withdrawal amount resulting in a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> reduction of the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any contribution to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any transfer from the Investment account and/or Guaranteed interest option to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any contribution amounts made during the contract year to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is based on the number of days in the contract year after the contribution or transfer. (Since there is no Annual withdrawal amount in the first contract year in which the Protected Benefit account is funded, any withdrawals in that year other than RMD withdrawals from our RMD program result in a dollar-for-dollar reduction of the Annual Roll-up amount (but not less than zero).) </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual GMIB benefit base adjustment </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount is an amount credited to your GMIB benefit base on each contract date anniversary provided you have never taken a withdrawal from your Protected Benefit account. The amount is calculated by taking into account your GMIB benefit base from the preceding contract date anniversary, the applicable Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate under your contract and contributions and transfers to the </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Protected Benefit account during the contract year. The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount adjustment to your GMIB benefit base is a primary way to increase the value of your GMIB benefit base. Your Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount at the end of the contract year is calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">your GMIB benefit base on the preceding contract date anniversary, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate that was in effect on the first day of the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any contribution to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any transfer from the Investment account and/or Guaranteed interest option to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any contribution amounts made during the contract year to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">A <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is based on the number of days in the contract year after the contribution or transfer. </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">The GMIB benefit base stops rolling up on the contract date anniversary following the owner’s (or older joint owner, if applicable) 95th birthday or, if earlier, at contract maturity, or the owner’s (or older joint owner’s, if applicable) death. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Annual withdrawal amount </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(Applicable prior to the beginning of Lifetime GMIB payments) </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual withdrawal amount for the next contract year is calculated on each contract date anniversary beginning with the contract year that follows the contract year in which the Protected Benefit account is first funded, and is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate in effect at the time, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the GMIB benefit base as of the most recent contract date anniversary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account, if your Lifetime GMIB payments have not begun, you may withdraw up to your Annual withdrawal amount without reducing your GMIB benefit base and adversely affecting your Lifetime GMIB payments. <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">It is important to note that withdrawals in excess of your Annual withdrawal</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">amount will have a harmful effect on both your GMIB benefit base</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">and Lifetime GMIB payments. An Excess withdrawal that reduces your Protected Benefit account to zero will cause your</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">GMIB</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">to terminate. </div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You do not have an Annual withdrawal amount in the contract year in which you fund the Protected Benefit account. <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">A withdrawal from your Protected Benefit account in the first</div></div> </div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">contract year in which the Protected Benefit account is funded is an Excess withdrawal and will reduce (i) your GMIB benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis.</div></div> Beginning with the contract year that follows the contract year in which your Protected Benefit account was first funded, the portion of a withdrawal from your Protected Benefit account in excess of your Annual withdrawal amount, and all subsequent withdrawals from your Protected Benefit account in that contract year, will always reduce your GMIB benefit base on a pro rata basis. This is referred to as an “Excess withdrawal”. The reduction of your GMIB benefit base on a pro rata basis means that we calculate the percentage of your current Protected Benefit account value that is being withdrawn and we reduce your current GMIB benefit base by the same percentage. A pro rata withdrawal will have a significant adverse effect on your benefit base in cases where the Protected Benefit account value is less than the benefit base. For an example of how a pro rata reduction works, see “How withdrawals affect your Guaranteed benefits”<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div>and, for examples of how withdrawals affect your Annual withdrawal amount, see Appendix “Examples of how<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div>withdrawals affect your Guaranteed benefit bases”<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">. </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual withdrawal amount is always calculated using the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate in effect for your contract at the beginning of the contract year. The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate, described above, is never used for the purposes of calculating the Annual withdrawal amount. Your Annual withdrawal amounts are not cumulative. If you withdraw less than your Annual withdrawal amount in any contract year, you may not add the remainder to your Annual withdrawal amount in any subsequent year. Your Annual withdrawal amount may be more than or less than your Lifetime GMIB payments. Please refer to the beginning of this section for more information about “Lifetime GMIB payments”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Example of how your Annual withdrawal amount; Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount; Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual GMIB benefit base adjustment; and the effect of an Excess withdrawal is calculated. </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Annual withdrawal amount.</div></div> Assume you make a contribution of $200,000 and allocate $100,000 to your Protected Benefit account variable investment options and $100,000 to your Investment account variable investment options at issue. At the beginning of contract year three, assume you transfer $5,000 to your Protected Benefit account variable investment options. Also assume that your Annual Roll-up rate is 4% and your Deferral rate is 5% in each contract year. Accordingly, your GMIB benefit base on your third contract date anniversary is $121,012. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB benefit base of $121,012 is calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You start with $100,000 allocated to the Protected Benefit account variable investment options. This amount is your initial GMIB benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">The first Deferral Roll-up amount increases your GMIB benefit base to <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$105,000. </div></div>($100,000 + $5,000) </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left"><div style="font-style: normal; background: none; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">$100,000 (GMIB benefit base) x 5% (Deferral Roll-up rate) = $5,000 (Deferral Roll-up amount)</div></div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">The second Deferral Roll-up amount increases your GMIB benefit base to <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$110,250. </div></div>($105,000 + $5,250) </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left"> </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">$105,000 (GMIB benefit base) x 5% (Deferral Roll-up rate) = $5,250 (Deferral Roll-up amount)</div></div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">Your $5,000 transfer from the Investment account at the beginning of contract year three increases your GMIB benefit base to <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$115,250. </div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($110,250 + $5,000)</div></div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">The third Deferral Roll-up amount increases your GMIB benefit base to <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$121,012. </div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($115,250 + $5,762)</div></div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left"><div style="font-style: normal; background: none; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">$115,250 (GMIB benefit base) x 5% (Deferral Roll-up rate) = $5,762 (Deferral Roll-up amount)</div></div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual withdrawal amount as of the beginning of contract year four is equal to $4,840, calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$121,012 (GMIB benefit base as of your most recent contract date anniversary) <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">multiplied by</div></div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">4% (your current Annual Roll-up rate) <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">equals</div></div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$4,840 </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note that your Annual Roll-up rate is used to calculate your Annual withdrawal amount. The Deferral Roll-up rate is never used to calculate your Annual withdrawal amount. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Annual Roll-up amount and annual benefit base adjustment.</div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> Further assume that during contract year four (on the 146th day of the contract year), you make a contribution of $10,000 to your Protected Benefit account variable investment options, making your current GMIB benefit base after the contribution $131,012. Also assume that you withdraw your full Annual withdrawal amount of $4,840 during contract year four. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On your fourth contract date anniversary, your Annual Roll-up amount is equal to $240, calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">4%<div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> (your current Annual Roll-up rate)</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">multiplied by</div></div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$121,012 <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(your GMIB benefit base as of your most recent contract date anniversary) </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">minus</div></div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$4,840 (the Annual withdrawal amount, which was withdrawn) <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">plus</div></div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$240 <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(the daily pro-rated Roll-up amount for the contribution: $10,000 x 4% x 219/365* = $240)</div></div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">equals </div></div>$240 </td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:24%;text-align:center;margin-left: auto;margin-right: auto"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">*</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This fraction represents the number of days in a 365-day contract year that the contribution would have received credit toward the Roll-up amount.</div></div> </div></td></tr></table><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note that the withdrawal in contract year four terminated the Deferral Roll-up rate. Therefore on the fourth contract date anniversary, the Annual Roll-up rate was used to calculate the Annual Roll-up amount. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your adjusted GMIB benefit base is $131,252 </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Effect of an Excess withdrawal.</div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> In contract year four, assume instead that you make a withdrawal of $7,840 (including any applicable withdrawal charges). This would result in an Excess withdrawal of $3,000 because your Annual withdrawal amount is only $4,840 ($7,840 – $4,840 = $3,000). Further, assume that your Protected Benefit account value at the time of this withdrawal is $100,000. As described earlier in this section, Excess withdrawals reduce your GMIB benefit base on a pro-rata basis. Accordingly, your GMIB benefit base is reduced by $3,930 at the time of the withdrawal, calculated as follows: </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$131,012 <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(your current GMIB benefit base: $121,012 + $10,000)</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">multiplied by</div></div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">3%<div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> (the percentage of your current Protected Benefit account value that was withdrawn in excess of your Annual withdrawal amount)</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">equals</div></div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$3,930 </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On your fourth contract date anniversary, your adjusted GMIB benefit base is $127,322, calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$127,082 <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(your GMIB benefit base adjusted to reflect the Excess withdrawal: $131,012 – $3,930 = $127,082)</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">plus</div></div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$240 <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(your Annual Roll-up amount)</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">equals</div></div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$127,322 </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note that the Excess withdrawal in contract year four terminated the no lapse guarantee. Please see the following section for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See Appendix “Examples of how withdrawals affect your Guaranteed benefit bases” for more examples of how withdrawals affect your Guaranteed benefit bases and Annual withdrawal amount. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">GMIB “no lapse guarantee” </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, if your Protected Benefit account value falls to zero (except as discussed below), the GMIB will be exercised automatically, based on the owner’s (or older joint owner’s, if applicable) current age and GMIB benefit base as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You will be issued a life only supplementary contract based on a single life. Upon exercise, your Guaranteed minimum death benefit will be terminated. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You will have 30 days from when we notify you to change the payout option and/or the payment frequency. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Poor investment performance of the Protected Benefit account variable investment options may contribute to your Protected Benefit account value falling to zero. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The no-lapse guarantee will terminate under the following circumstances: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If your aggregate withdrawals from your Protected Benefit account in any contract year following the contract year in which you first fund your Protected Benefit account exceed your Annual withdrawal amount. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the contract date anniversary following the owner (or older joint owner, if applicable) reaching age 95, or, if earlier, the contract maturity date. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you were enrolled in the Maximum Payment Plan or Customized Payment Plan, the frequency of your Lifetime GMIB payments will be the same based on the payment frequency you elected. Your Lifetime GMIB payment amount may be less than your Annual withdrawal amount in the prior contract year. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you were not enrolled in the Maximum Payment Plan or Customized Payment Plan, you will begin receiving your Lifetime GMIB payments annually one calendar year after the date that the Protected Benefit account value fell to zero. Your Lifetime GMIB payment amount may be less than your Annual withdrawal amount in the prior contract year. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Exercise of GMIB. </div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">On each contract date anniversary that you are eligible to exercise the GMIB, we will send you an eligibility notice illustrating how much income could be provided as of the contract date anniversary. You must notify us within 30 days following the contract date anniversary if you want to exercise the GMIB. You must return your contract to us, along with all required information within 30 days following your contract date anniversary, in order to exercise this benefit. Upon exercise of the GMIB, the owner (or older joint owner, if applicable) will become the annuitant, and the contract will be annuitized on the basis of the annuitant’s life. You will begin receiving annual payments one year after the annuity payout contract is issued. If you choose monthly or quarterly payments, you will receive your payment one month or one quarter after the annuity payout contract is issued. Under monthly or quarterly payments, the aggregate payments you receive in a contract year will be less than what you would have received if you had elected an annual payment, as monthly and quarterly payments reflect the time value of money with regard to both interest and mortality. You may choose to take a withdrawal prior to exercising the GMIB, which will reduce your payments. You may not partially exercise this benefit. See ‘‘Withdrawing your account value’’ in ‘‘Accessing your money’’. Payments end with the last payment before the annuitant’s<div style="display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div>(or joint annuitant’s, if applicable) death. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see “Exercise of the GMIB in the event of a GMIB fee increase” under “Charges and expenses” for more information on exercising your GMIB upon notice of a change to the GMIB fee. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Exercise rules. </div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">The latest date you may exercise the GMIB is the 30th day following the contract date anniversary following the annuitant’s 95th birthday. If the GMIB is exercised on any contract date anniversary prior to age 95, the GMIB benefit base is reduced by any remaining withdrawal charge. If the GMIB is exercised as a result of the no lapse guarantee, </div></div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">any applicable withdrawal charges are waived. Eligibility to exercise the GMIB is based on the owner’s (or older joint owner’s, if applicable) age, as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If you were at least age 20 and no older than age 44 on the contract date anniversary immediately preceding the date you first funded your Protected Benefit account, you are eligible to exercise the GMIB within 30 days following each contract date anniversary beginning with the 15th contract date anniversary following the date you first funded your Protected Benefit account. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If you were at least age 45 and no older than age 49 on the contract date anniversary immediately preceding the date you first funded your Protected Benefit account, you are eligible to exercise the GMIB within 30 days following each contract date anniversary after age 60. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If you were at least age 50 and no older than age 80 on the contract date anniversary immediately preceding the date you first funded your Protected Benefit account, you are eligible to exercise the GMIB within 30 days following each contract date anniversary beginning with the 10th contract date anniversary following the date you first funded your Protected Benefit account. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB guarantees annual lifetime payments (“Lifetime GMIB payments”), which will begin at the earliest of: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">the next contract year following the date your Protected Benefit account value falls to zero (provided the no lapse guarantee is in effect); </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">the contract date anniversary following your 95th birthday; or </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">your election to exercise the GMIB. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Lifetime GMIB payments will be calculated as described in this section. Whether your Lifetime GMIB payments are triggered by age 95, the no lapse guarantee, or your election to exercise the GMIB, we use the same calculation to determine the amount of the payments. Please note that withdrawal charges, if any, may apply if you elect to exercise the GMIB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For single owner contracts, the payout can be either based on a single life (the owner’s life) or joint lives. For IRA contracts, the joint life must be the spouse of the owner. For jointly owned contracts, payments can be based on a single life (based on the life of the older owner) or joint lives. For non-natural owners, payments are available on the same basis (based on the annuitant or joint annuitant’s life). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Lifetime GMIB payments are calculated by applying your GMIB benefit base less any applicable withdrawal charge remaining, to guaranteed annuity purchase factors. If your Protected Benefit account value is zero as described under the “GMIB “no lapse guarantee””, we will use your GMIB benefit base as of the day your Protected Benefit account value was reduced to zero. On the day your Protected Benefit account value is reduced to zero, we calculate your GMIB benefit base using the same formula as described under “GMIB benefit base”. If your Protected </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Benefit account was reduced to zero on a date other than your contract anniversary, we will include a pro rata portion of the applicable Roll-up amount in your GMIB base. Withdrawal charges, if any, will not apply under these circumstances. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Example: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:arial">Assume your Protected Benefit account value goes to zero in the middle of the 10th contract year. At the beginning of the 10th contract year, the GMIB benefit base is $100,000. Further assume there were no contributions or transfers to the Protected Benefit account or any withdrawals during that contract year. If the applicable Roll-up rate was 4%, the GMIB benefit base on the day your Protected Benefit account value was reduced to zero would be $102,000. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your Protected Benefit account value is reduced to zero on your contract date anniversary as the result of the deduction of charges under the contract, we will add any remaining Annual Roll-up amount, or if applicable, your Deferral Roll-up amount, to your GMIB benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the GMIB is exercised under any of the three events as described above, and you have no Investment account value, the following applies: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">We will issue a supplementary contract with the same owner and beneficiary. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">The deferral contract, including the Guaranteed minimum death benefit will be terminated. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the GMIB is exercised under any of the three events as described above, and you have Investment account value, the following applies: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">We will issue a supplementary contract for the Protected Benefit account with the same owner and beneficiary. The Investment account under the deferred contract will continue to be in force. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">Your Lifetime GMIB payment will not reduce your Investment account value. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">Your Guaranteed minimum death benefit will be terminated. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iv)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">For IRA contracts, your RMD payments will be based solely on your Investment account value and may only be withdrawn from your Investment account. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elect to exercise the GMIB or your Protected Benefit account value has not fallen to zero before or the contract date anniversary that follows the annuitant reaching age 95, whichever is sooner, the following applies: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">We will issue a supplementary contract with the same owner and beneficiary; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">Your Lifetime GMIB payments will be equal to the greater of: </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">your Protected Benefit account value applied to the guaranteed, or, if greater, the current annuitization factors, </td></tr></table><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold;text-align:center">-OR- </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the GMIB benefit base applied to the guaranteed annuity purchase factors. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example, assuming the current annuitization factors are greater than the guaranteed annuitization factors, a male contract owner whose annuitant is age 95 and has a $100,000 GMIB benefit base and $50,000 in Protected Benefit account value would receive the greater of the following: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">Current annuitization factors (which are subject to change) applied to his $50,000 Protected Benefit account value, which currently equals a monthly payment of $1,065, or </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">The guaranteed annuity purchase factor discussed above (in this example, it would be 0.63%) applied to his $100,000 GMIB benefit base, which equals a Lifetime GMIB monthly payment of $630. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In this example, the contract owner’s monthly payment would be $1,065. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">Any Investment account value will be annuitized under a separate contract based on one of the annuity payout options discussed under “Your annuity payout options” in “Accessing your money”; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">Upon issuing your supplementary contract, your Guaranteed minimum death benefit and your death benefit in connection with your Investment account value will be terminated. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the GMIB and your Protected Benefit account value falls to zero due to an Excess withdrawal, we will terminate your GMIB and you will receive no payment or supplementary life annuity contract, even if your GMIB benefit base is greater than zero. Please see the Hypothetical illustrations in Appendix “Hypothetical illustrations” for an example of how Lifetime GMIB payments are calculated when: (i) a hypothetical Protected Benefit account value falls to zero, and (ii) the annuitant reaches age 95. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">if the GMIB benefit base is reset after age 85, the only time you may exercise the GMIB is within 30 days following the contract date anniversary following the annuitant’s attainment of age 95; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">for Retirement Cornerstone<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series QP contracts, the Plan participant can exercise the GMIB only if he or she elects to take a distribution from the Plan and, in connection with this distribution, the Plan’s trustee changes the ownership of the contract to the participant. This effects a rollover of the Retirement Cornerstone<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series QP contract into a Retirement Cornerstone<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series traditional IRA. This process must be completed within the 30-day time frame following the contract date anniversary in order for the Plan participant to be eligible to exercise. However, if the GMIB is automatically exercised as a result of the no lapse guarantee, a rollover into an IRA will not be effected and payments will be made directly to the trustee; </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">since no partial exercise is permitted, owners of defined benefit QP contracts who plan to change ownership of the contract to the participant must first compare the participant’s lump sum benefit amount and annuity benefit amount to the GMIB benefit base and account value, and make a withdrawal from the contract if necessary. See ‘‘How withdrawals affect your Guaranteed benefits’’; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iv)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">if you reset the GMIB benefit base (as described in this section), your new exercise date will be the tenth contract date anniversary following the reset or, if later, the earliest date you would have been permitted to exercise without regard to the reset, but in no event will it be later than the contract date anniversary following age 95. Please note that in most cases, resetting your GMIB benefit base will lengthen the waiting period; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(v)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">a spouse beneficiary or younger spouse joint owner under Spousal continuation may continue the GMIB if the contract is not past the last date on which the original owner could have exercised the benefit and the spouse beneficiary or younger spouse joint owner is eligible to continue the benefit and to exercise the benefit under the applicable exercise rule (described in the above bullets). In general, the spouse beneficiary or younger spouse joint owner’s age on the date of the owner’s death replaces the owner’s age at issue, for purposes of determining the availability of the benefit and which of the exercise rules applies. If the spouse beneficiary or younger spouse joint owner is over age 85 on the date of the owner’s death, she will have a one-time opportunity to exercise the GMIB subject to the following additional rules. The one-time election will be available only if the spouse beneficiary or younger spouse joint owner is age 95 or younger and the original owner died before the age of 95. In addition, the election to exercise the GMIB must be made no later than one year following the date of the owner’s death. If the GMIB is exercised, the Guaranteed minimum death benefit will be terminated. For example, if an owner is age 70 at issue, and he dies at age 79, and the spouse beneficiary is 86 on the date of his death, she may exercise the GMIB no later than one year following the date of the owner’s death, even though she was 77 at the time the contract was issued, because eligibility is measured using her age at the time of the owner’s death, not her age on the issue date; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(vi)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">if the contract is jointly owned and not an IRA contract, you can elect to have the GMIB paid either: (a) as a joint life benefit or (b) as a single life benefit paid on the basis of the older owner’s age (if applicable); </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(vii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">if the contract is an IRA contract, you can elect to have the Guaranteed minimum income benefit paid either: (a) as a joint life benefit, but only if the joint annuitant is your spouse or (b) as a single life benefit paid on the basis of the annuitant’s age; and </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(viii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">if the contract is owned by a trust or other non-natural person, eligibility to elect or exercise the GMIB is based </div></td></tr></table><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="vertical-align:top;text-align:left">on the annuitant’s (or older joint annuitant’s, if applicable) age, rather than the owner’s. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See ‘‘Effect of the owner’s death’’ under ‘‘Payment of death benefit’’ for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see ‘‘How withdrawals affect your Guaranteed benefits’’ and ‘‘Effect of your account values falling to zero’’ in ‘‘Determining your contract’s value’’ for more information on these guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">From time to time, we may offer you some form of payment or incentive in return for terminating or modifying certain guaranteed benefits. See “Guaranteed benefit offers” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Asset transfer program (‘‘ATP’’) </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the GMIB, you are required to participate in the asset transfer program (‘‘ATP’’). The ATP helps us manage our financial exposure in providing the guaranteed benefits, by using predetermined mathematical formulas to move account value between the ATP Portfolio and the other Protected Benefit account variable investment options. The formulas applicable to you may not be altered once you have the benefit. In essence, we seek to preserve account value in the Protected Benefit account variable investment options by transferring some or all of your account value in other Protected Benefit account variable investment options to a more stable option (i.e., the ATP Portfolio). The formulas also contemplate the transfer of some or all of the account value from the ATP Portfolio to the other Protected Benefit account variable investment options according to your allocation instructions on file. The formulas are described below and are also described in greater detail in Appendix “Formula for asset transfer program for Guaranteed minimum income benefit”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The ATP Portfolio will only be used to hold amounts transferred out of your other Protected Benefit account variable investment options in accordance with the formulas described below. The ATP Portfolio is part of the Protected Benefit account, but you may not directly allocate a contribution to the ATP Portfolio or request a transfer of account value into the ATP Portfolio. The ATP applies to amounts you allocate to the Protected Benefit account variable investment options. On a limited basis, you may request a transfer out of the ATP Portfolio investment option, subject to the rules discussed below. For a summary description of the ATP Portfolio, please see ‘‘Portfolios of the Trusts’’ in “Purchasing the Contract”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Transfers into or out of the ATP Portfolio, if required, are processed on each valuation day. The valuation day occurs on each contract monthiversary. The contract monthiversary is the same date of the month as the contract date. If the contract monthiversary is not a business day in any month, the valuation day will be the next business day. For contracts with issue dates after the 28th day of the month, the valuation day will be on the first business day of the following month. In the twelfth month of the contract year, the valuation day will be on the contract date anniversary. If the </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">contract date anniversary occurs on a day other than a business day, the valuation day will be the business day immediately preceding the contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, the formulas work as follows. On each valuation day, two formulas — the ATP formula and the transfer amount formula — are used to automatically perform an analysis with respect to your GMIB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The first formula, called the ATP formula, begins by calculating a contract ratio, which is determined by dividing the Protected Benefit account value by the GMIB benefit base, and subtracting the resulting number from one. The contract ratio is then compared to predetermined ‘‘transfer points’’ to determine what portion of the Protected Benefit account value needs to be held in the ATP Portfolio. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the contract ratio on the valuation day is equal to or less than the minimum transfer point, all of the account value in the ATP Portfolio, if any, will be transferred to the other Protected Benefit account variable investment options according to your allocation instructions on file. If the contract ratio on the valuation day exceeds the minimum transfer point but is less than the maximum transfer point, amounts may be transferred either into or out of the ATP Portfolio depending on the account value already in the ATP Portfolio and a Special DCA program designated for the Protected Benefit account variable investment options. If the contract ratio on the valuation day is equal to or greater than the maximum transfer point, the total amount of your account value in the Protected Benefit account variable investment options will be transferred into the ATP Portfolio. For purposes of these calculations, amounts in any Special DCA program designated for the Protected Benefit account variable investment options are excluded from amounts that are transferred into the ATP Portfolio. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">ATP transfers into the ATP Portfolio will be transferred out of your other Protected Benefit account variable investment options on a pro rata basis. ATP transfers out of the ATP Portfolio will be allocated among the other Protected Benefit account variable investment options in accordance with your allocation instructions on file. No amounts will be transferred into or out of a Special DCA program as a result of any ATP transfer. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you make a contribution or transfer to your Protected Benefit account after the contract date, that contribution will be allocated according to the instructions that you provide or, if we do not receive any instructions, according to the allocation instructions on file for your contract. If the contribution or transfer is processed on a valuation day, it will be subject to an ATP transfer calculation on that day. If the contribution is received between valuation days, the amount contributed will be subject to an ATP transfer calculation on the next valuation day. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A separate formula, called the transfer amount formula, is used to calculate the amount that must be transferred either into or out of the ATP Portfolio when the ATP formula indicates that such a transfer is required. For example, </div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">the transfer amount formula reallocates Protected Benefit account value such that for every 1% by which the contract ratio exceeds the minimum transfer point after the transaction 10% of the Protected Benefit account value will be invested in the ATP Portfolio and a Special DCA program designated for the Protected Benefit account variable investment options. When the contract ratio exceeds the maximum transfer point, amounts will be transferred into the ATP Portfolio such that 100% of the Protected Benefit account value will be invested in the ATP Portfolio and a Special DCA program designated for the Protected Benefit account variable investment options. On the first day of your first ATP year, the minimum transfer point is 15% and the maximum transfer point is 25%. The minimum and maximum transfer points increase each contract monthiversary. In the 10th ATP year (and later), the minimum transfer point is 45% and the maximum transfer point is 55%. See Appendix “Formula for asset transfer program for Guaranteed minimum income benefit” for a list of transfer points. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Each time you make a subsequent contribution or transfer to your Protected Benefit account we will apply a setback adjustment formula. We use the formula to determine whether (and to what extent) your applicable transfer points may be “set back”. Any set back of your transfer points will apply on the next business day. The formula we use to calculate the set back applicable to you may not be altered once you have the benefit. In general, the formula adjusts your applicable transfer points to reflect the weighted average age of all contributions and transfers made to the Protected Benefit account in relation to the GMIB benefit base on the day prior to the contribution or transfer. For information about the calculation, please see Appendix “Formula for asset transfer program for Guaranteed minimum income benefit”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you take a withdrawal from your Protected Benefit account and there is account value allocated to the ATP Portfolio, the withdrawal will be taken pro rata out of your Protected Benefit account variable investment options (including the ATP Portfolio). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Subject to any necessary regulatory approvals and advance notice to affected contract owners, we reserve the right to utilize an investment option other than the ATP Portfolio as part of the ATP. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">ATP exit option.</div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> Apart from the operation of the formulas, you may request a transfer of account value in the ATP Portfolio. You may wish to exercise the ATP exit option if you seek greater equity exposure and if it meets your investment goals and risk tolerance. This strategy may result in higher growth of your Protected Benefit account value if the market increases which may also increase your Guaranteed benefit bases upon a reset. On the other hand, if the market declines, your Protected Benefit account value will also decline which will reduce the likelihood that your Guaranteed benefit bases will increase. You should consult with your financial professional to assist you in determining whether exercising the ATP exit option meets your investment goals and risk tolerance. </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The ATP exit option is subject to the following limitations: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You may not transfer out of the ATP Portfolio during the contract year in which you first fund your Protected Benefit account. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Beginning in the contract year that follows the contract year in which you first fund your Protected Benefit account, and until the contract year following age 85, you may make a transfer out of the ATP Portfolio only once per contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You must elect the transfer on a specific transfer form we provide. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">100% of your account value in the ATP Portfolio must be transferred out. You cannot request a partial transfer. The transfer will be allocated to your other Protected Benefit account variable investment options based on the instructions we have on file. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">There is no minimum account value requirement for the ATP exit option. You may make this election if you have any account value in the ATP Portfolio. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">We are not able to process an ATP exit option on a valuation day and we will not consider your transfer request to be in good order if we receive it on a valuation day. If we receive your transfer form on a valuation day and it is complete, your ATP exit option will be processed on the next business day. If no account value remains in the ATP Portfolio on that day, there will be no transfer and your election will not count as your one permitted ATP exit option for that contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If we process an ATP exit option, we will recalculate your benefit bases. A transfer may result in a reduction in your Guaranteed benefit bases and therefore a reduction in the value of your Guaranteed benefits. In some cases, the reduction in your benefit bases may be greater than the amount transferred out of the ATP Portfolio. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note that after exercising the ATP exit option, account value may be transferred out of your Protected Benefit account investment options and into the ATP Portfolio as soon as the next valuation day. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You should be aware that contributions and transfers to the Protected Benefit account generally have the effect of moving money out of the ATP Portfolio. However, in cases where the GMIB benefit base far exceeds the Protected Benefit account value and a contribution or transfer has not been made for a long period of time, making an additional contribution or transfer to the Protected Benefit account may result in no movement out of the ATP Portfolio due to the ATP year set back. Under these circumstances, the additional contribution or transfer may be transferred into the ATP Portfolio on the next valuation day. You should consider these factors when making a subsequent contribution or transfer to your Protected Benefit account. See Appendix “Formula for asset transfer program for Guaranteed minimum income benefit” for examples of how subsequent contributions may impact the ATP exit option. </div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On the day the ATP exit option is processed, the current value of the GMIB benefit base, the Roll-up to age 85 benefit base and the Highest Anniversary Value benefit base (as applicable) is compared to the new benefit base produced by the ATP exit option formula. Each benefit base (the GMIB benefit base, the Roll-up to age 85 benefit base and the Highest Anniversary Value benefit base) is adjusted to the lesser of the current value of that benefit base or the new benefit base produced by the ATP exit option formula. There is the potential that the Roll-up to age 85 benefit base will be adjusted without a corresponding adjustment to the Highest Anniversary Value benefit base and vice versa. The Return of Principal death benefit base is not adjusted. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the GMIB benefit base and Roll-up to age 85 benefit base are adjusted, there are no corresponding adjustments made to the Deferral Roll-up amount, the Annual Roll-up amount and the Annual withdrawal amount in that contract year. Any applicable amounts are added to your newly adjusted GMIB benefit base and Roll-up benefit base to age 85. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For information about the ATP exit option, please see Appendix “Formula for asset transfer program for Guaranteed minimum income benefit”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">GMIB annuity purchase factors</div></div></div><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> Annuity purchase factors are the factors applied to determine your periodic payments under the GMIB and base contract annuity payout options. GMIB annuity purchase factors are based on the owner’s (and any younger joint owner’s) age, frequency of payment, are the same regardless of gender, and are generally more conservative than the base contract annuity purchase factors. Base contract annuity payout options are discussed under “Your annuity payout options” in “Accessing your money”. Base contract annuity purchase factors are based on interest rates, mortality tables, frequency of payments, the form of annuity benefit, and the owner’s (and any joint owner’s) age and sex in certain instances. We may provide more favorable current annuity purchase factors for the annuity payout options than those specified in your contract. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Exercising the GMIB when your Protected Benefit account value is greater than zero.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> The lifetime annual payment amount you receive will be the greater of the Lifetime GMIB payment amount or the income derived from applying your Protected Benefit account value to our current or guaranteed annuitization factors. This lifetime annual payment amount may be lower than your Annual withdrawal amount depending on your age, current annuitization factors, and your Protected Benefit account and GMIB benefit base values at the time you exercise the GMIB. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Exercising the GMIB through the <div style="white-space:nowrap;display:inline;">no-lapse</div> guarantee when your Protected Benefit account value falls to zero.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> If your Protected Benefit account value falls to zero and the no lapse guarantee is in effect, the GMIB is exercised automatically and you will receive Lifetime GMIB payments. This annual Lifetime GMIB payment amount may be lower than your Annual withdrawal amount, depending on your age at the time the GMIB is exercised and whether you elect to be paid on a single or joint life basis. </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">•</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">Exercising the GMIB provides you with a guaranteed annual lifetime payment that is not intended to replace the annual income you can receive by withdrawing the Annual withdrawal amount prior to exercising the GMIB. The annual Lifetime GMIB payment amount you receive is based on conservative actuarial factors and may be lower than your Annual withdrawal amount. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">•</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">At some GMIB exercise ages, the annual Lifetime GMIB payment amount may be less than your Annual withdrawal amount. Accordingly, you should not deplete your Protected Benefit account value through withdrawals in reliance on receiving a similar amount of annual income through Lifetime GMIB payments. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_29" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Series CP</div><div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="font-family:arial;display:inline;"><div style="font-weight:bold;display:inline;"></div></div><div style="font-weight:bold;display:inline;"> and your Guaranteed benefit bases </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Credit and Earnings bonus amounts are not included in your GMIB and GMDB benefit bases. If you decide to transfer amounts from your Investment account to your Protected Benefit account variable investment options, only amounts representing contributions and earnings will increase your benefit bases. Credit and Earnings bonus amounts to your Investment account are considered transferred first, though any amount of that transfer that represents those amounts will be excluded from your Guaranteed benefit bases, except to the extent that any credit and Earnings bonus amounts are part of the Protected Benefit account value, which is used to calculate the Highest Anniversary Value benefit base or a benefit base reset in connection with the GMIB benefit base or the Roll-up to age 85 benefit base (used to calculate the ”Greater of” death benefit). All transfers, however, will increase your Protected Benefit account value by the total amount of the transfer. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On December 1st, you purchase a Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract, make an initial contribution of $100,000 and you also elect the GMIB and the Return of Principal death benefit. You allocate the entire $100,000 contribution to the Investment account variable investment options and $0 to the Protected Benefit account variable investment options. In effect, you have not started to fund your Guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The credit on contributions applied to your contract is $3,000 ($100,000 x 3%), resulting in an initial Investment account value of $103,000. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On December 15th, you decide to fund your Guaranteed benefits by transferring $10,000 to the Protected Benefit account variable investment options. After that transfer, your Protected Benefit account value would be $10,000, but your GMIB benefit base and Return of Principal death benefit base would both be $7,000 ($10,000 – $3,000). This is because credits to your Investment account are always considered transferred first. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div id="tx69635_30" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">How withdrawals affect your Guaranteed benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Except as otherwise described in this section withdrawals from your Protected Benefit account will reduce your Guaranteed benefit bases on a pro rata basis. Reduction on a pro rata basis means that we calculate the percentage of your current Protected Benefit account value that is being withdrawn and we reduce your current Guaranteed benefit bases by the same percentage. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example, if your Protected Benefit account value is $30,000 and you withdraw $12,000, you have withdrawn 40% of your Protected Benefit account value. If your Guaranteed benefit base was $40,000 before the withdrawal, it would be reduced by $16,000 ($40,000 X .40) and your new Guaranteed benefit base after the withdrawal would be $24,000 ($40,000 – $16,000). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your Protected Benefit account value is greater than your Guaranteed benefit base, an Excess withdrawal will result in a reduction of your Guaranteed benefit base that will be less than the withdrawal. For example, if your Protected Benefit account value is $30,000 and you withdraw $12,000, you have withdrawn 40% of your Protected Benefit account value. If your Guaranteed benefit base was $20,000 before the withdrawal, it would be reduced by $8,000 ($20,000 X .40) and your new Guaranteed benefit base after the withdrawal would be $12,000 ($20,000 – $8,000). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A pro rata deduction means that if you take a withdrawal that reduces your Guaranteed benefit bases on a pro rata basis and your Protected Benefit account value is less than your Guaranteed benefit base, the amount of the Guaranteed benefit base reduction will exceed the amount of the withdrawal. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For purposes of calculating the adjustment to your Guaranteed benefit bases, the amount of the withdrawal will include the amount of any applicable withdrawal charge. Using the example above, the $12,000 withdrawal would include the withdrawal amount paid to you and the amount of any applicable withdrawal charge deducted from your Protected Benefit account value. For more information on the calculation of the charge, see “Withdrawal charge”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the GMIB with the Highest Anniversary Value death benefit or the “Greater of” death benefit and you take a withdrawal from your Protected Benefit account, your Highest Anniversary Value benefit base for the respective Guaranteed minimum death benefits will be reduced on a dollar-for-dollar basis by withdrawals up to the Annual withdrawal amount, and on a pro rata basis by Excess withdrawals (including any applicable withdrawal charges). <div style="font-weight:bold;display:inline;">Note that any</div><div style="font-weight:bold;display:inline;"> withdrawal from</div><div style="font-weight:bold;display:inline;"> </div><div style="font-weight:bold;display:inline;">your </div><div style="font-weight:bold;display:inline;">Protected Benefit</div><div style="font-weight:bold;display:inline;"> account in the</div><div style="font-weight:bold;display:inline;"> </div><div style="font-weight:bold;display:inline;">first contract year in which the </div><div style="font-weight:bold;display:inline;">Protected Benefit</div><div style="font-weight:bold;display:inline;"> account is funded is an Excess withdrawal.</div><div style="font-weight:bold;display:inline;"> </div>If you take a withdrawal from your Protected Benefit account and you did not elect the GMIB with the Highest Anniversary Value death benefit, your Highest Anniversary Value benefit base will be reduced on a pro rata basis (including any applicable withdrawal charges). </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals affect your GMIB benefit base and <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base, as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A withdrawal from your Protected Benefit account in the contract year in which you first fund your Protected Benefit account will reduce your GMIB benefit base and <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account, if your Lifetime GMIB payments have not begun, withdrawals up to your Annual withdrawal amount will not reduce your GMIB benefit base. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account and until the contract date anniversary after age 85, if your Lifetime GMIB payments have not begun, withdrawals up to your Annual withdrawal amount will not reduce your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Beginning on the contract date anniversary after age 85, withdrawals will reduce your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> basis up to your Annual withdrawal amount. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The portion of a withdrawal in excess of your Annual withdrawal amount (“Excess withdrawal”) will always reduce your GMIB benefit base and <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. This means that once a withdrawal is taken that causes the sum of the withdrawals from your Protected Benefit account to exceed the Annual withdrawal amount, that portion of the withdrawal that exceeds the Annual withdrawal amount and any subsequent withdrawals from your Protected Benefit account in that contract year will reduce the GMIB benefit base and <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals affect your RMD Wealth Guard death benefit base, as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The full amount of any withdrawal from your Protected Benefit Account taken before the calendar year in which you turn age 70½ will reduce your RMD Wealth Guard death benefit base on a pro rata basis. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The full amount of any withdrawal from your Protected Benefit Account taken during your first contract year, even if you turn age 70½ during that year, will reduce your RMD Wealth Guard death benefit base on a pro rata basis. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt;text-align:left">The portion of a withdrawal from your Protected Benefit account that exceeds your RMD Wealth Guard withdrawal amount for the calendar year will reduce your RMD Wealth Guard death benefit base on a pro rata basis. This means that once you take a withdrawal that causes the sum of the withdrawals from your Protected Benefit account to exceed your RMD Wealth Guard withdrawal amount, that portion of the withdrawal that exceeds the RMD Wealth Guard withdrawal amount, and any subsequent withdrawals from your Protected Benefit </div></td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt">account in that calendar year, will reduce your RMD Wealth Guard death benefit base on a pro rata basis. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Other than during your first contract year, a withdrawal from your Protected Benefit account beginning with the calendar year in which you turn age 70½ will be treated as a RMD Wealth Guard withdrawal and will count towards your RMD Wealth Guard withdrawal amount. Withdrawals from your Protected Benefit account up to your RMD Wealth Guard withdrawal amount will not reduce your RMD Wealth Guard death benefit base. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix “Examples of how withdrawals affect your Guaranteed benefit bases” for examples of how withdrawals affect your Guaranteed benefit bases. For information on how RMD payments affect your Guaranteed benefits, see “Lifetime required minimum distribution withdrawals” in “Accessing your money”. For information on how RMD payments affect your RMD Wealth Guard death benefit, see “RMDs for Traditional IRA and SEP IRA contracts with the RMD Wealth Guard death benefit” in “Accessing your money”. For information about the RMD Wealth Guard death benefit, see “RMD Wealth Guard death benefit”. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_31" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Dropping or changing your Guaranteed benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can drop or change your Guaranteed benefits, subject to our rules. Your ability to do so depends on whether you have funded your Protected Benefit account. If you have not funded your Protected Benefit account, we call this a “pre-funding” drop or change. If you have funded your Protected Benefit account, we call this a “post-funding” drop. Also, in order to make a change to your Guaranteed minimum death benefit, you must meet the eligibility requirements for the new benefit. If you drop a Guaranteed benefit, you will not be permitted to add it back to your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Pre-Funding</div> Drop or Change </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Prior to funding your Protected Benefit account, you can drop your GMIB, Guaranteed minimum death benefit, or change your Guaranteed minimum death benefit. For contracts with the GMIB, the Guaranteed minimum death benefit generally cannot be changed without first dropping the GMIB. In Appendix “Dropping or changing your Guaranteed benefits”, we provide a chart that lists the possible Guaranteed benefit combinations under the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract and our rules for dropping and changing benefits prior to funding your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Post-Funding Drop </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you funded your Protected Benefit account at issue and contributions to the contract are no longer subject to withdrawal charges, you have the option to drop both your GMIB and Guaranteed minimum death benefit. Also, in some cases, you can drop your GMIB and retain your Guaranteed minimum death benefit. If you funded your Protected Benefit account after issue, you generally cannot drop your Guaranteed benefit(s) until the later of: (i) the contract date anniversary following the date the Protected Benefit account was funded, and (ii) the expiration of the period in which your contract is subject to withdrawal charges. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you decide to drop all Guaranteed benefits post-funding, we require that you complete the administrative form we provide for this purpose. You must either take a full withdrawal of your Protected Benefit account or make a <div style="white-space:nowrap;display:inline;">one-time</div> transfer to the Investment account variable investment options and guaranteed interest option. The Guaranteed benefits and any applicable charges will be terminated as of the business day we receive the properly completed administrative form at our processing office. Please note that when a Guaranteed benefit (other than the Return of Principal death benefit) is dropped on any date other than a contract date anniversary, we will deduct a pro rata portion of the charge for that year. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For contracts with the GMIB, the Guaranteed minimum death benefit cannot be dropped without first dropping the GMIB. In Appendix “Dropping or changing your Guaranteed benefits”, we provide a chart that lists the possible Guaranteed benefit combinations under the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract and our rules for dropping and changing benefits if you have already funded your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you drop the GMIB from your contract and retain the GMDB, the ATP will no longer be in effect and any account value in the ATP Portfolio will be allocated according to your instructions on file for the Protected Benefit account. If you drop the GMIB from your contract and do not retain the GMDB and you make a one-time transfer to the Protected Benefit account, any account value in the ATP Portfolio will be allocated according to your instructions on file for the Investment account (including the guaranteed interest option). Please note that if you drop the GMIB from your contract, you may not retain the “Greater of“ GMDB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Dropping or changing your Guaranteed benefits in the event of a fee change.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> In the event that we exercise our contractual right to change the fee for the GMIB, “Greater of” death benefit, or RMD Wealth Guard death benefit, you may be given a <div style="white-space:nowrap;display:inline;">one-time</div> opportunity to drop your Guaranteed benefits or change your GMDB if it is not yet funded, subject to our rules. You may drop or change your Guaranteed benefits only within 30 days of the fee change notification. If you have funded your Protected Benefit account and wish to drop your Guaranteed benefits, the requirement that all withdrawal charges have expired will be waived. See “Fee changes for the Guaranteed minimum income benefit and “Greater of” death benefit“ in “Charges and expenses” and Appendix “Dropping or changing your Guaranteed benefits” for more information. </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_32" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Guaranteed benefit offers </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">From time to time, we may offer you some form of payment or incentive in return for terminating or modifying certain guaranteed benefits. Previously, we made offers to groups of contract owners that provided for an increase in account value in return for terminating their guaranteed death or income benefits. In the future, we may make additional offers to these and other groups of contract owners. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When we make an offer, we may vary the offer amount, up or down, among the same group of contract owners based on certain criteria such as account value , the difference between </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">account value and any applicable benefit base, investment allocations and the amount and type of withdrawals taken. For example, for guaranteed benefits that have benefit bases that can be reduced on either a pro rata or dollar-for-dollar basis, depending on the amount of withdrawals taken, we may consider whether you have taken any withdrawal that has caused a pro rata reduction in your benefit base, as opposed to a dollar-for-dollar reduction. Also, we may increase or decrease offer amounts from offer to offer. In other words, we may make an offer to a group of contract owners based on an offer amount, and, in the future, make another offer based on a higher or lower offer amount to the remaining contract owners in the same group. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you accept an offer that requires you to terminate a guaranteed benefit, we will no longer charge you for it, and you will not be eligible for any future offers related to that type of guaranteed benefit, even if such future offer would have included a greater offer amount or different payment or incentive. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_33" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Other Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx69635_34" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Dollar cost averaging </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We offer a variety of dollar cost averaging programs. Not all of the programs described here are available with each Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract. You may only participate in one program at a time. Each program allows you to gradually allocate amounts to available investment options by periodically transferring approximately the same dollar amount to the investment options you select. Regular allocations to the variable investment options will cause you to purchase more units if the unit value is low and fewer units if the unit value is high. Therefore, you may get a lower average cost per unit over the long term. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">All amounts in a dollar cost averaging program will be transferred at the completion of the time period you select. Currently, our Special DCA programs time periods do not extend beyond 12 months. These plans of investing do not guarantee that you will earn a profit or be protected against losses. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Units measure your value in each variable investment option. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We offer the following dollar cost averaging programs in the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contracts: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Special dollar cost averaging; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Special money market dollar cost averaging; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">General dollar cost averaging; and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Investment simplifier. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The only dollar cost averaging programs that are available to fund your Guaranteed benefits are special dollar cost averaging and special money market dollar cost averaging (together, the “Special DCA programs”). Depending on the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract you own, you will have one of the Special DCA programs available to you, but not both. The Special DCA programs allow you to gradually fund your Protected Benefit account value through systematic transfers to the Protected Benefit account variable </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">investment options. Amounts allocated to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options are included in the benefit bases for your Guaranteed benefits. Also, you may make systematic transfers to the Investment account variable investment options and the guaranteed interest option. Amounts in the account for special money market dollar cost averaging are immediately invested in the EQ/Money Market variable investment option. Only new contributions may be allocated to a Special DCA program. For information on how a Special DCA program may affect certain Guaranteed benefits, see “Guaranteed minimum income benefit” and “Guaranteed minimum death benefits” in this Prospectus. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">General dollar cost averaging and Investment simplifier, on the other hand, can only be used for systematic transfers to your Investment account variable investment options. Our Investment simplifier program is available for scheduled transfers from the guaranteed interest option to the Investment account variable investment options. Our General dollar cost averaging program is available for scheduled transfers from the EQ/Money Market variable investment option to the Investment account variable investment options. Below, we provide detail regarding each of the programs. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Generally, you may not elect both a dollar cost averaging program and a rebalancing option. The only exception is if you elect our Investment simplifier program with Option I under our rebalancing programs, which does not rebalance amounts in the guaranteed interest option. For more information on our rebalancing programs, see “Rebalancing among your Investment account variable investment options and guaranteed interest option” in “Benefits available under the contract.” </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We do not deduct a transfer charge for any transfer made in connection with our dollar cost averaging programs. We may, at any time, exercise our right to terminate transfers to any of the variable investment options and to limit the number of variable investment options which you may elect. Not all dollar cost averaging programs are available in all states. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, including information on the availability of our dollar cost averaging programs in your state, see Appendix “State contract availability and/or variations of certain features and benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Our Special DCA programs. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">We currently offer the “Special dollar cost averaging program” under the Series B and Series L contracts and the “Special money market dollar cost averaging program” under the Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Special dollar cost averaging </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under the special dollar cost averaging program, you may dollar cost average from the account for special dollar cost averaging, which is part of the general account. We credit daily interest, which will never be less than 1% or the guaranteed lifetime minimum rate for the guaranteed interest option, whichever is greater, to amounts allocated to this </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">account. Currently, the guaranteed lifetime minimum rate is 1.00%. We guarantee to pay the current interest rate that is in effect on the date that your contribution is allocated to this account. That interest rate will apply to that contribution as long as it remains in the account for special dollar cost averaging. The guaranteed interest rate for the time period that you select will be shown in your contract for your initial contribution. We set the interest rates periodically, based on our discretion and according to procedures that we have. We reserve the right to change these procedures. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We will transfer amounts from the account for special dollar cost averaging into the investment options you designate over an available time period that you select. If the special dollar cost averaging program is selected at the time of the application to purchase the contract, a 60 day rate lock will apply from the date of application. Any contribution(s) received during this 60 day period will be credited with the interest rate offered on the date of application for the duration of the special dollar cost averaging time period. Any contribution(s) received after the 60 day rate lock period has ended will be credited with the then current interest rate for the duration of the time period selected. Once the time period you selected has ended, you may select another time period for future contributions. At that time, you may also select a different allocation for transfers to the investment options, or, if you wish, we will continue to use the allocation that you previously made. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Special money market dollar cost averaging </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under the special money market dollar cost averaging program, you may dollar cost average from the account for special money market dollar cost averaging, which is part of the EQ/Money Market variable investment option. We will transfer amounts from the account for special money market dollar cost averaging into the Protected Benefit account variable investment options, the Investment account variable investment options and the guaranteed interest option over an available time period that you select. One of the primary benefits of the special money market dollar cost averaging program is that amounts in the program designated for the Protected Benefit account variable investment options count toward your Guaranteed benefits on the business day you establish the program. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under both Special DCA programs, the following applies: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Initial contributions to a Special DCA program must be at least $2,000; subsequent contributions to an existing Special DCA program must be at least $250; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Subsequent contributions to an existing program do not extend the time period of the program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Contributions into a Special DCA program must be new contributions; you may not make transfers from amounts allocated to other investment options to initiate a Special DCA program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">We offer time periods of 3, 6 or 12 months. We may also offer other time periods. You may only have one </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt">time period in effect at any time and once you select a time period, you may not change it; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You can enroll in a Special DCA program on your contract application or at any time after your contract has been issued. A program will become effective on the date we receive your first contribution directing us to allocate funds to the account for special dollar cost averaging or special money market dollar cost averaging as applicable. The date we receive your initial contribution will also be the date of the first transfer to the other variable investment options in accordance with your allocation instructions for the program. Each subsequent transfer date for the time period selected will be one month from the date of the previous transfer. If a transfer date falls on a non-business day, the transfer will be made on the next business day. We will transfer all amounts by the end of the chosen time period for your program. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:arial">For example, assume you enroll in a 3-month Special DCA program. On the date we receive your initial contribution (say, $60,000) to the program, your program becomes effective and the first transfer of $20,000 is made immediately in accordance with your program’s allocation instructions. The second transfer of $20,000 will be made one month after your first contribution and the third and final transfer of $20,000 will be made two months after your first contribution; </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The only transfers that will be made from your program are your regularly scheduled transfers to the variable investment options. If you request to transfer any other amounts from your program, we will transfer all of the value that you have remaining in the account to the investment options according to the allocation percentages for the Special DCA program that we have on file for you, and your program will terminate; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Contributions to a Special DCA program may be designated for the Protected Benefit account variable investment options, the Investment account variable investment options and/or the guaranteed interest option, subject to the following: </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If you want to take advantage of one of our Special DCA programs, 100% of your contribution must be allocated to either the account for special dollar cost averaging or the account for special money market dollar cost averaging. In other words, your contribution cannot be split between the Special DCA program and any other investment options available under the contract. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Up to 25% of your Special DCA program may be designated for the guaranteed interest option, even if such a transfer would result in more than 25% of your Total account value being allocated to the guaranteed interest option. See “Transferring your account value” in “Transferring your money among investment options”; </div></td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your instructions for the program must match your allocation instructions on file on the day the program is established. If you change your allocation instructions on file while the Special DCA program is in effect, the ratio of amounts allocated to the Protected Benefit account to amounts allocated to the Investment account will not change. However, amounts will be allocated within each account according to your new instructions; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your Guaranteed benefit base(s) will be increased to reflect any contribution to the Special DCA program that you have instructed us to transfer to the Protected Benefit account variable investment options. The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate (or Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate, if applicable) in effect on your contract will apply immediately to any contribution that is designated to be transferred to the Protected Benefit account variable investment options. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate (or Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate, if applicable) in effect will not be applied to credits associated with contributions allocated to the Special DCA program that are designated to be transferred to the Protected Benefit account variable investment options; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">•</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">If we exercise our right to discontinue the acceptance of, and/or place additional limitations on, contributions and transfers into the Protected Benefit account variable investment options, and your Special DCA program has transfers scheduled to the Protected Benefit account variable investment options, the program will continue for its duration. However, subsequent contributions to any Protected Benefit account variable investment options under a Special DCA program will not be permitted; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Except for withdrawals made under our Automatic RMD withdrawal service or our other automated withdrawal programs (systematic withdrawals and substantially equal withdrawals), or for the assessment of contract charges, any unscheduled partial withdrawal from your Special DCA program will terminate your Special DCA program. Any amounts remaining in the account after the program terminates will be transferred to the destination investment options according to your Special DCA program allocation instructions. Any withdrawal which results in a reduction in the Special DCA program amount previously included in your Guaranteed benefit bases will reduce the Guaranteed benefit bases as described in this Prospectus. See “How withdrawals affect your Guaranteed benefits”; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">For contracts with the GMIB, ATP transfers are not taken out of amounts allocated to a Special DCA program. Please see ‘‘Asset transfer program (‘‘ATP’’)’’; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Generally, you may not elect both a dollar cost averaging program and a rebalancing option. The only exception is if you elect our Investment simplifier program with Option I under our rebalancing programs, which does not rebalance amounts in the guaranteed </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt">interest option. See “Rebalancing among your Investment account variable investment options and guaranteed interest option” in “Benefits available under the contract” in this Prospectus to learn more about rebalancing; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">All of the dollar cost averaging programs available under your Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contracts can be selected if you enrolled in our Systematic transfer program. However, no amounts will be transferred out of a Special DCA program as part of the Systematic transfer program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A Special DCA program may not be in effect at the same time as a general dollar cost averaging program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The only dollar cost averaging program available to fund your Guaranteed benefits is a Special DCA program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You may cancel your participation at any time. If you terminate your Special DCA program, we will allocate any remaining amounts in your Special DCA program pursuant to your program allocations on file; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If you are dollar cost averaging into the Protected Benefit account variable investment options when you decide to drop all Guaranteed benefits (“post-funding drop”), we will default future transfers designated for the Protected Benefit account variable investment options to the corresponding Investment account variable investment options that invest in the same underlying Portfolios. Also, you can cancel your Special DCA program and accelerate all transfers to the corresponding Investment account variable investment options. See “Dropping or changing your Guaranteed benefits” in this Prospectus and Appendix “Dropping or changing your Guaranteed benefits” for more information; and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">We may offer these programs in the future with transfers on a different basis. Your financial professional can provide information in the time periods and interest rates currently available in your state, or you may contact our processing office. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">General dollar cost averaging program </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your value in the EQ/Money Market variable investment option is at least $5,000, you may choose, at any time, to have a specified dollar amount or percentage of your value transferred from that option to any of the Investment account variable investment options. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, including information on the availability of our general dollar cost averaging program, see Appendix “State contract availability and/or variations of certain features and benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can select to have transfers made on a monthly, quarterly or annual basis. The transfer date will be the same calendar day of the month as the contract date, but not later than the 28th day of the month. You can also specify the number of transfers or instruct us to continue making the transfers until all amounts in the EQ/Money Market variable investment option have been transferred out. The minimum amount that we will </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">transfer each time is $250. The instructions for the program may differ from your allocation instructions on file. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If, on any transfer date, your value in the EQ/Money Market variable investment option is equal to or less than the amount you have elected to have transferred, the entire amount will be transferred. The general dollar cost averaging program will then end. You may change the transfer amount once each contract year or cancel this program at any time. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You may not participate in our optional rebalancing programs if you elect the general dollar cost averaging program. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Investment simplifier </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Fixed-dollar option. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">Under this option, you may elect to have a fixed-dollar amount transferred out of the guaranteed interest option and into the Investment account variable investment options of your choice. Transfers may be made on a monthly, quarterly or annual basis. You can specify the number of transfers or instruct us to continue to make transfers until all available amounts in the guaranteed interest option have been transferred out. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In order to elect the fixed-dollar option, you must have a minimum of $5,000 in the guaranteed interest option on the date we receive your election form at our processing office. The transfer date will be the same calendar day of the month as the contract date but not later than the 28th day of the month. The minimum transfer amount is $50. Also, this option is subject to the guaranteed interest option transfer limitations described under “Transferring your account value” in “Transferring your money among investment options”. While the program is running, any transfer that exceeds those limitations will cause the program to end for that contract year. You will be notified if this occurs. You must send in a request form to resume the program in the next or subsequent contract years. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If, on any transfer date, your value in the guaranteed interest option is equal to or less than the amount you have elected to have transferred, the entire amount will be transferred, provided the transfer complies with the same guaranteed interest option transfer limitations referenced above. If the transfer does not comply with the transfer limitations, the transfer will not be made and the program will end. You may change the transfer amount once each contract year or cancel this program at any time. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Interest sweep option. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">Under this option, you may elect to have monthly transfers from amounts in the guaranteed interest option into the Investment account variable investment options of your choice. The transfer date will be the last business day of the month. The amount we will transfer will be the interest credited to amounts you have in the guaranteed interest option from the last business day of the prior month to the last business day of the current month. You must have at least $7,500 in the guaranteed interest option on the date we receive your election. If the amount in the guaranteed interest option falls below $7,500 at the beginning of the month, no transfer will be made that month. We will automatically cancel the interest sweep program if the </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">amount in the guaranteed interest option is less than $7,500 on the last day of the month for two months in a row. For the interest sweep option, the first monthly transfer will occur on the last business day of the month following the month that we receive your election form at our processing office. Transfers under the Interest sweep option are subject to the guaranteed interest option transfer limitations described under “Transferring your account value” in “Transferring your money among investment options”. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_35" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Rebalancing among your Investment account variable investment options and guaranteed interest option </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We offer two rebalancing programs that you can use to automatically reallocate your Investment account value among your Investment account variable investment options and the guaranteed interest option. Option I allows you to rebalance your Investment account value among the Investment account variable investment options. Option II allows you to rebalance your Investment account value among the Investment account variable investment options and the guaranteed interest option. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">To enroll in one of our rebalancing programs, you must notify us in writing or through the Equitable Client portal and tell us: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(a)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">the percentage you want invested in each investment option (whole percentages only), and </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(b)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">how often you want the rebalancing to occur (quarterly, semiannually, or annually on a contract year basis). </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Rebalancing will occur on the same day of the month as the contract date. If a contract is established after the 28th, rebalancing will occur on the first business day of the month following the contract date. If you elect quarterly rebalancing, the rebalancing in the last quarter of the contract year will occur on the contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Once it is available, you may elect or terminate the rebalancing program at any time. You may also change your allocations under the program at any time. Once enrolled in the rebalancing program, it will remain in effect until you instruct us in writing to terminate the program. Requesting an investment option transfer while enrolled in our rebalancing program will not automatically change your allocation instructions for rebalancing your account value. This means that upon the next scheduled rebalancing, we will transfer amounts among your investment options pursuant to the allocation instructions previously on file for your program. Changes to your allocation instructions for the rebalancing program (or termination of your enrollment in the program) must be in writing and sent to our processing office. Termination requests can be made online through the Equitable Client portal. See “How to reach us” in ”The Company”. There is no charge for the rebalancing feature. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Rebalancing does not assure a profit or protect against loss. You should periodically review your allocation percentages as your needs change. You may want to discuss the rebalancing program with your financial professional before electing the program. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">While your rebalancing program is in effect, we will transfer amounts among the applicable investment options so that the percentage of your Investment account value that you specify is invested in each option at the end of each rebalancing date. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you select Option II, you will be subject to our rules regarding transfers from the guaranteed interest option to the Investment account variable investment options. These rules are described in “Transferring your account value” in “Transferring your money among investment options”. Under Option II, a transfer into or out of the guaranteed interest option to initiate the rebalancing program will not be permitted if such transfer would violate these rules. If this occurs, the rebalancing program will not go into effect. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You may not elect Option II if you are participating in any dollar cost averaging program. You may not elect Option I if you are participating in special money market dollar cost averaging or general dollar cost averaging. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Our optional rebalancing programs are not available for amounts allocated to the Protected Benefit account variable investment options. For information about rebalancing among the Protected Benefit account variable investment options, see the section below. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_36" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Rebalancing among your Protected Benefit account variable investment options </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can rebalance your Protected Benefit account value by submitting a request to rebalance as of the date we receive your request, however, scheduled recurring rebalancing is not available. Therefore, any subsequent rebalancing transactions would require a subsequent rebalancing request. Your rebalance request must indicate the percentage you want rebalanced in each investment option (whole percentages only). You can rebalance only to the investment options available in your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When we rebalance your Protected Benefit account, we will transfer amounts among the investment options so that the percentage of your account value in each option at the end of the rebalancing date matches the most recent allocation instructions that we have on file. Rebalancing does not assure a profit or protect against loss, so you should periodically review your allocation percentages as your needs change. Amounts in the ATP Portfolio are excluded from rebalancing. </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <div id="tx69635_19" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Summary of Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following tables summarize important information about the benefits available under the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Death Benefits</div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These death benefits are available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:9pt;width:100%;border-spacing:0"> <tr> <td style="width:11%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td> <td style="vertical-align:bottom"></td> <td style="width:6%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:32%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name of Benefit</div></div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Purpose</div></div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Standard/</div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Optional</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Brief Description of Restrictions/Limitations</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Max</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Return of Principal Death Benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees beneficiaries will receive a benefit at least equal to your contributions less adjusted withdrawals.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Standard</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Additional<br/> <div style="margin-bottom: 1pt; margin-top: 0pt; font-size: 9pt; font-family: arial; text-align: center; line-height: normal;">Charge</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Highest Anniversary Value Death Benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Locks in highest adjusted anniversary account value as minimum death benefit.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">0.35%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the RMD Wealth Guard Death Benefit, or the “Greater of” Death Benefit</div></div></div></td></tr> <tr style="font-size:1pt"> <td style="BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">RMD Wealth Guard Death Benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Allows required minimum distributions without reducing the benefit base.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">1.20%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)(2)</div><br/> <div style="margin-bottom: 1pt; margin-top: 0pt; font-size: 9pt; font-family: arial; line-height: normal;">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)(3)</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">0.60%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)(2)</div><br/> <div style="margin-bottom: 1pt; margin-top: 0pt; font-size: 9pt; font-family: arial; line-height: normal;">1.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)(3)</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the Highest Anniversary Value Death Benefit, or the “Greater of” Death Benefit</div></div></div></td></tr> <tr style="font-size:1pt"> <td style="BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">“Greater of” Death Benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees the beneficiaries will receive at least the greater of the Roll-up benefit base and the Highest Anniversary Value benefit base.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">1.15%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the Highest Anniversary Value Death Benefit, or the RMD Wealth Guard Death Benefit</div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Expressed as an annual percentage of the benefit base. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Issue ages 20-64. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Issue ages 65-68. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Living Benefit</div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">This living benefit is available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:34%"></td> <td style="vertical-align:bottom"></td> <td style="width:6%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name of Benefit</div></div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Purpose</div></div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Standard/</div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Optional</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Brief Description of Restrictions/Limitations</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Max</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Guaranteed minimum income benefit (GMIB)</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees a minimum annuitization value to provide lifetime retirement income.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">1.15%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Cannot be elected with the RMD Wealth Guard Death Benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Expressed as an annual percentage of the benefit base. </div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Other Benefits</div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These other benefits are available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:37%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:6%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:35%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name of Benefit</div></div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Purpose</div></div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Standard/</div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Optional</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Brief Description of Restrictions/Limitations</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Max</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: arial; line-height: normal;">Rebalancing Option I<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div> and Option II<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(2)</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Periodically rebalance to your desired asset mix.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Charge</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with DCA</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Account value in the Protected Benefit account cannot be rebalanced</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: arial; line-height: normal;">Dollar Cost Averaging (special DCA, general DCA, and Investment Simplifier)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Transfer account value to selected investment options on a regular basis to potentially reduce the impact of market volatility.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Charge</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with Rebalancing</div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Option I allows you to rebalance your Investment account value among the Investment account variable investment options. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Option II allows you to rebalance your Investment account value among the Investment account variable investment options and the guaranteed interest option. </div></td></tr></table> Return of Principal Death Benefit Guarantees beneficiaries will receive a benefit at least equal to your contributions less adjusted withdrawals. true 0 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div> Highest Anniversary Value Death Benefit Locks in highest adjusted anniversary account value as minimum death benefit. true 0.0035 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the RMD Wealth Guard Death Benefit, or the “Greater of” Death Benefit</div></div></div> RMD Wealth Guard Death Benefit Allows required minimum distributions without reducing the benefit base. true 0.012 0.006 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the Highest Anniversary Value Death Benefit, or the “Greater of” Death Benefit</div></div></div> “Greater of” Death Benefit Guarantees the beneficiaries will receive at least the greater of the Roll-up benefit base and the Highest Anniversary Value benefit base. true 0.023 0.0115 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the Highest Anniversary Value Death Benefit, or the RMD Wealth Guard Death Benefit</div></div></div> Guaranteed minimum income benefit (GMIB) Guarantees a minimum annuitization value to provide lifetime retirement income. true 0.023 0.0115 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Cannot be elected with the RMD Wealth Guard Death Benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div> Rebalancing Option I<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div> and Option II<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(2)</div> Periodically rebalance to your desired asset mix. true 0 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with DCA</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Account value in the Protected Benefit account cannot be rebalanced</div></div></div> Dollar Cost Averaging (special DCA, general DCA, and Investment Simplifier) Transfer account value to selected investment options on a regular basis to potentially reduce the impact of market volatility. true 0 <div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with Rebalancing</div></div> <div id="tx69635_73" style="margin-top:0pt; margin-bottom:0pt; font-size:17.5pt; font-family:arial"><div style="font-weight:bold;display:inline;">3.</div> Principal risks of investing in the contract </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The risks identified below are the principal risks of investing in the contract. The contract may be subject to additional risks other than those identified and described in this Prospectus. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_74" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Risks associated with variable investment options </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You take all the investment risk for amounts allocated to one or more of the subaccounts, which invest in Portfolios. If the subaccounts you select increase in value, then your Total account value goes up; if they decrease in value, your Total account value goes down. How much your Total account value goes up or down depends on the performance of the Portfolios in which your subaccounts invest. We do not guarantee the investment results of any Portfolio. An investment in the contract is subject to the risk of poor investment performance, and the value of your investment can vary depending on the performance of the selected Portfolio(s), each of which has its own unique risks. You should review the Portfolios before making an investment decision. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_75" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Insurance company risk </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">No company other than us has any legal responsibility to pay amounts that we owe under the contract including amounts allocated to the guaranteed interest option. The general obligations and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. You should look solely to our financial strength for our claims-paying ability. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_76" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Possible fees on access to total account value </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We may apply fees if you access your Total account value during the accumulation period or surrender your contract. For example, in addition to possible tax consequences, you may incur fees for accessing your Total account value such as a withdrawal charge, transfer fee, third party transfer or exchange fee, annual administrative expense, base contract expense, and/or a charge for any optional benefits. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_77" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Possible adverse tax consequences </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The tax considerations associated with the contract vary and can be complicated. The applicable tax rules can differ, depending on the type of contract, whether NQ, traditional IRA, Roth IRA or QP. The tax consequences discussed in this Prospectus are general in nature and describe only federal income tax law (not state, local, foreign or other federal tax laws). Moreover, the tax aspects that apply to a particular person’s contract may vary depending on the facts applicable to that person. Tax rules may change without notice. We cannot predict whether, when, or how these rules could change. Any change could affect contracts purchased </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">before the change. Congress may also consider further proposals to comprehensively reform or overhaul the United States tax and retirement systems, which if enacted, could affect the tax benefits of a contract. We cannot predict what, if any, legislation will actually be proposed or enacted. Before making contributions to your contract or taking other action related to your contract, you should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals are generally subject to income tax, and may be subject to tax penalties if taken before age 59<div style="vertical-align:top;display:inline;font-size:9.2px">1</div>⁄<div style="vertical-align:bottom;display:inline;font-size:9.2px">2</div>. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_78" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Not a short-term investment </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle and you should consider whether investing in the contract is consistent with the purpose for which the investment is being considered. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_79" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Risk of loss </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">All investments have risks to some degree and it is possible that you could lose money by investing in the contract. An investment in the contract is not a deposit with a bank and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_111" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Optional Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Investment options are limited if Guaranteed benefits are elected. Guaranteed benefits are funded through the Protected Benefit account variable investment options and once a withdrawal is taken from the Protected Benefit account, you cannot make additional contributions to the Protected Benefit account. We may limit or stop accepting contributions and transfers to the Protected Benefit account variable investment options which means you may no longer be able to increase your Protected Benefit account value and the benefit bases associated with your Guaranteed benefits through contributions and transfers. Excess withdrawals may terminate or significantly reduce the value of your optional benefits. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_a3" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Contract changes risk </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We may, at any time, exercise our rights to limit or terminate your contributions, allocations and transfers to any of the variable investment options (including the Protected Benefit account variable options). We reserve the right, subject to compliance with laws that apply, to remove </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">variable investment options from the Separate Account, to combine any two or more variable investment options, to restrict or eliminate any voting rights as to the Separate Account, to limit or terminate contributions or transfers into any of the variable investment options, and to limit the number of variable investment options you may select. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You should evaluate whether our ability to make the changes described above, and your ability to react to such changes, are appropriate based on your investment goals. When such changes occur, you should also evaluate whether those changes are appropriate based on your investment goals and, if not, you should evaluate your options under the Contract, which may be limited and may have negative consequences associated with them, as described in this section. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_112" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Series CP<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div> Contracts </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The fees and charges for Series CP<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div> contracts are higher than for Series B contracts and the amount of the credit may be more than offset by these higher fees and charges. Credits may be recaptured upon free look, annuitization and death. Withdrawals may limit credits for subsequent contributions. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx69635_113" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Limitations on access to cash value through withdrawals </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals may be subject to withdrawal charges, income tax and may be subject to tax penalties if taken before age 59<div style="vertical-align:top;display:inline;font-size:9.2px">1</div>⁄<div style="vertical-align:bottom;display:inline;font-size:9.2px">2</div>. The minimum partial withdrawal amount is $300. Withdrawals will reduce your Total account value and optional benefit bases and the amount of the reduction may be greater than the dollar amount of the withdrawal. Excess withdrawals may terminate or significantly reduce the value of your optional benefits. Certain withdrawals may also terminate your contract. Withdrawals from Series CP<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div> contracts may limit credits for subsequent contributions. If you take a withdrawal from the Protected benefit account, you cannot make additional contributions to the Protected benefit account. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="pro69635_157" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Availability by financial intermediary </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">Some financial intermediaries (e.g., selling broker-dealer firms) may not offer and/or may limit the offering of certain investment options, contract benefits, and other contract features based on issue age or other criteria established by the selling broker-dealer. For example, your financial professional may not recommend a particular investment option or contract benefit to you that is described in this Prospectus. Before you purchase the contract, you should discuss with your financial professional any limitations, restrictions, or other variations related to the investment options, contract benefits or other contract features available to you through your financial professional. If a particular feature that interests you is not recommended through your broker-dealer, you may want to contact us to explore its availability. </div></div><div id="tx69635_80" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Business disruption, cybersecurity, and artificial intelligence (“AI”) technologies risks </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We rely heavily on technology, including interconnected computer systems and data storage networks and digital communications, to conduct our business. Because our business is highly dependent upon the effective operation of our computer systems and those of our service providers and other business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyberattacks. Cyberattacks may be systemic (e.g., affecting the internet, cloud services, or other infrastructure) or targeted (e.g., failures in or breach of our systems or those of third parties on whom we rely, including ransomware and malware attacks). Cybersecurity risks include, among other things, the loss, theft, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on our websites (or the websites of third parties on whom we rely), other operational disruption and unauthorized release, use or abuse of confidential customer information. The risk of cyberattacks may be higher during periods of geopolitical turmoil. Due to the increasing sophistication of cyberattacks, a cybersecurity breach could occur and persist for an extended period of time without detection. Systems failures and cyberattacks, as well as, any other catastrophic event, including natural and man-made disasters, public health emergencies, pandemic diseases, terrorist attacks, floods or severe storms affecting us, any third-party administrator, the underlying funds, intermediaries and other affiliated or third-party service providers may adversely affect us, our business operations and your account value and interfere with our ability to process contract transactions and calculate account values. Systems failures and cyberattacks may also interfere with our processing of contract transactions, including the processing of orders from our website or with the underlying funds, impact our ability to calculate account values and unit values and/or the underlying funds to be unable to calculate share values, cause the release or possible destruction of confidential customer and/or business information, impede order processing or cause other operational issues, subject us and/or our service providers and intermediaries to regulatory fines, litigation and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the underlying funds invest, which may cause the underlying funds to lose value. The preventative actions we take to reduce the frequency and severity of cybersecurity incidents and protect our computer systems may be insufficient to prevent a cybersecurity breach from impacting our operations or your contract value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid cybersecurity breaches affecting your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The development and deployment of AI tools and technologies, including generative AI, and its use and anticipated use by us or by third parties on whom we rely, may increase </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">our existing operational risks or create new operational risks that we are not currently anticipating. AI and generative AI may be misused by us or by third parties upon which we rely, and that risk is increased by the relative newness of the technology, the speed at which it is being adopted, and the uncertain and evolving policy and regulatory landscape governing its use. Such misuse could expose us to legal or regulatory risk. Because the generative AI technology is so new, many of the potential risks of generative AI are currently unknowable. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In addition, we are also exposed to risks related to natural and man-made disasters, including, but not limited to, the occurrence of any storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts or any other event, which could adversely affect our ability to conduct business. A natural or man-made disaster, including a pandemic such as COVID-19, could result in our workforce, and/or employees of service providers and/or third-party administrators, being compromised and unable or unwilling to fully perform their responsibilities, which could likewise result in interruptions in our service. This could interfere with our processing of contract transactions, including processing orders from owners and orders with the underlying funds, impact our ability to calculate contract value, or have other adverse impacts on our operations. These events may also negatively affect our service providers and intermediaries, the underlying funds and issuers of securities in which the underlying funds invest, which may cause the funds underlying your contract to lose value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid negative impacts associated with natural and <div style="white-space:nowrap;display:inline;">man-made</div> disasters. </div> <div id="tx69635_74" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Risks associated with variable investment options </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You take all the investment risk for amounts allocated to one or more of the subaccounts, which invest in Portfolios. If the subaccounts you select increase in value, then your Total account value goes up; if they decrease in value, your Total account value goes down. How much your Total account value goes up or down depends on the performance of the Portfolios in which your subaccounts invest. We do not guarantee the investment results of any Portfolio. An investment in the contract is subject to the risk of poor investment performance, and the value of your investment can vary depending on the performance of the selected Portfolio(s), each of which has its own unique risks. You should review the Portfolios before making an investment decision. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx69635_75" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Insurance company risk </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">No company other than us has any legal responsibility to pay amounts that we owe under the contract including amounts allocated to the guaranteed interest option. The general obligations and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. You should look solely to our financial strength for our claims-paying ability. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx69635_76" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Possible fees on access to total account value </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We may apply fees if you access your Total account value during the accumulation period or surrender your contract. For example, in addition to possible tax consequences, you may incur fees for accessing your Total account value such as a withdrawal charge, transfer fee, third party transfer or exchange fee, annual administrative expense, base contract expense, and/or a charge for any optional benefits. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx69635_77" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Possible adverse tax consequences </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The tax considerations associated with the contract vary and can be complicated. The applicable tax rules can differ, depending on the type of contract, whether NQ, traditional IRA, Roth IRA or QP. The tax consequences discussed in this Prospectus are general in nature and describe only federal income tax law (not state, local, foreign or other federal tax laws). Moreover, the tax aspects that apply to a particular person’s contract may vary depending on the facts applicable to that person. Tax rules may change without notice. We cannot predict whether, when, or how these rules could change. Any change could affect contracts purchased </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">before the change. Congress may also consider further proposals to comprehensively reform or overhaul the United States tax and retirement systems, which if enacted, could affect the tax benefits of a contract. We cannot predict what, if any, legislation will actually be proposed or enacted. Before making contributions to your contract or taking other action related to your contract, you should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals are generally subject to income tax, and may be subject to tax penalties if taken before age 59<div style="vertical-align:top;display:inline;font-size:9.2px">1</div>⁄<div style="vertical-align:bottom;display:inline;font-size:9.2px">2</div>. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx69635_78" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Not a short-term investment </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle and you should consider whether investing in the contract is consistent with the purpose for which the investment is being considered. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx69635_79" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Risk of loss </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">All investments have risks to some degree and it is possible that you could lose money by investing in the contract. An investment in the contract is not a deposit with a bank and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx69635_111" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Optional Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Investment options are limited if Guaranteed benefits are elected. Guaranteed benefits are funded through the Protected Benefit account variable investment options and once a withdrawal is taken from the Protected Benefit account, you cannot make additional contributions to the Protected Benefit account. We may limit or stop accepting contributions and transfers to the Protected Benefit account variable investment options which means you may no longer be able to increase your Protected Benefit account value and the benefit bases associated with your Guaranteed benefits through contributions and transfers. Excess withdrawals may terminate or significantly reduce the value of your optional benefits. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx69635_a3" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Contract changes risk </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We may, at any time, exercise our rights to limit or terminate your contributions, allocations and transfers to any of the variable investment options (including the Protected Benefit account variable options). We reserve the right, subject to compliance with laws that apply, to remove </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">variable investment options from the Separate Account, to combine any two or more variable investment options, to restrict or eliminate any voting rights as to the Separate Account, to limit or terminate contributions or transfers into any of the variable investment options, and to limit the number of variable investment options you may select. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You should evaluate whether our ability to make the changes described above, and your ability to react to such changes, are appropriate based on your investment goals. When such changes occur, you should also evaluate whether those changes are appropriate based on your investment goals and, if not, you should evaluate your options under the Contract, which may be limited and may have negative consequences associated with them, as described in this section. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx69635_112" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Series CP<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div> Contracts </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The fees and charges for Series CP<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div> contracts are higher than for Series B contracts and the amount of the credit may be more than offset by these higher fees and charges. Credits may be recaptured upon free look, annuitization and death. Withdrawals may limit credits for subsequent contributions. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx69635_113" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Limitations on access to cash value through withdrawals </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals may be subject to withdrawal charges, income tax and may be subject to tax penalties if taken before age 59<div style="vertical-align:top;display:inline;font-size:9.2px">1</div>⁄<div style="vertical-align:bottom;display:inline;font-size:9.2px">2</div>. The minimum partial withdrawal amount is $300. Withdrawals will reduce your Total account value and optional benefit bases and the amount of the reduction may be greater than the dollar amount of the withdrawal. Excess withdrawals may terminate or significantly reduce the value of your optional benefits. Certain withdrawals may also terminate your contract. Withdrawals from Series CP<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div> contracts may limit credits for subsequent contributions. If you take a withdrawal from the Protected benefit account, you cannot make additional contributions to the Protected benefit account. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="pro69635_157" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Availability by financial intermediary </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">Some financial intermediaries (e.g., selling broker-dealer firms) may not offer and/or may limit the offering of certain investment options, contract benefits, and other contract features based on issue age or other criteria established by the selling broker-dealer. For example, your financial professional may not recommend a particular investment option or contract benefit to you that is described in this Prospectus. Before you purchase the contract, you should discuss with your financial professional any limitations, restrictions, or other variations related to the investment options, contract benefits or other contract features available to you through your financial professional. If a particular feature that interests you is not recommended through your broker-dealer, you may want to contact us to explore its availability. </div></div> <div id="tx69635_80" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Business disruption, cybersecurity, and artificial intelligence (“AI”) technologies risks </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We rely heavily on technology, including interconnected computer systems and data storage networks and digital communications, to conduct our business. Because our business is highly dependent upon the effective operation of our computer systems and those of our service providers and other business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyberattacks. Cyberattacks may be systemic (e.g., affecting the internet, cloud services, or other infrastructure) or targeted (e.g., failures in or breach of our systems or those of third parties on whom we rely, including ransomware and malware attacks). Cybersecurity risks include, among other things, the loss, theft, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on our websites (or the websites of third parties on whom we rely), other operational disruption and unauthorized release, use or abuse of confidential customer information. The risk of cyberattacks may be higher during periods of geopolitical turmoil. Due to the increasing sophistication of cyberattacks, a cybersecurity breach could occur and persist for an extended period of time without detection. Systems failures and cyberattacks, as well as, any other catastrophic event, including natural and man-made disasters, public health emergencies, pandemic diseases, terrorist attacks, floods or severe storms affecting us, any third-party administrator, the underlying funds, intermediaries and other affiliated or third-party service providers may adversely affect us, our business operations and your account value and interfere with our ability to process contract transactions and calculate account values. Systems failures and cyberattacks may also interfere with our processing of contract transactions, including the processing of orders from our website or with the underlying funds, impact our ability to calculate account values and unit values and/or the underlying funds to be unable to calculate share values, cause the release or possible destruction of confidential customer and/or business information, impede order processing or cause other operational issues, subject us and/or our service providers and intermediaries to regulatory fines, litigation and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the underlying funds invest, which may cause the underlying funds to lose value. The preventative actions we take to reduce the frequency and severity of cybersecurity incidents and protect our computer systems may be insufficient to prevent a cybersecurity breach from impacting our operations or your contract value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid cybersecurity breaches affecting your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The development and deployment of AI tools and technologies, including generative AI, and its use and anticipated use by us or by third parties on whom we rely, may increase </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">our existing operational risks or create new operational risks that we are not currently anticipating. AI and generative AI may be misused by us or by third parties upon which we rely, and that risk is increased by the relative newness of the technology, the speed at which it is being adopted, and the uncertain and evolving policy and regulatory landscape governing its use. Such misuse could expose us to legal or regulatory risk. Because the generative AI technology is so new, many of the potential risks of generative AI are currently unknowable. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In addition, we are also exposed to risks related to natural and man-made disasters, including, but not limited to, the occurrence of any storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts or any other event, which could adversely affect our ability to conduct business. A natural or man-made disaster, including a pandemic such as COVID-19, could result in our workforce, and/or employees of service providers and/or third-party administrators, being compromised and unable or unwilling to fully perform their responsibilities, which could likewise result in interruptions in our service. This could interfere with our processing of contract transactions, including processing orders from owners and orders with the underlying funds, impact our ability to calculate contract value, or have other adverse impacts on our operations. These events may also negatively affect our service providers and intermediaries, the underlying funds and issuers of securities in which the underlying funds invest, which may cause the funds underlying your contract to lose value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid negative impacts associated with natural and <div style="white-space:nowrap;display:inline;">man-made</div> disasters. </div> <div id="tx69635_98" style="margin-top:0pt; margin-bottom:0pt; font-size:17.5pt; font-family:arial"><div id="pro69635_155" style="letter-spacing: 0px; top: 0px;display:inline;"></div>Appendix: Investment options available under the contract </div> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Variable Investment Options </div> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following is a list of Portfolio Companies available under the contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at www.equitable.com/ICSR#EQH157123. You can request this information at no cost by calling 1-877-522-5035 or by sending an email request to <div style="text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;"></div>EquitableFunds@dfinsolutions.com. If you elect a Guaranteed benefit, you may only invest in the Portfolios listed in the Protected Benefit account table below. </div> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The current expenses and performance information below reflects fee and expenses of the Portfolios, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance. </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Affiliated Portfolio Companies: </div></div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:63%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;">Current</div></div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Expenses </div></div> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company — Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Sub-Adviser(s), as applicable</div></div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">1290 VT DoubleLine Opportunistic Bond</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Equitable Investment Management Group, LLC (“EIMG”)</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">DoubleLine Capital LP</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.91</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.25</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.27</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">1290 VT Equity Income</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Barrow, Hanley, Mewhinney & Strauss, LLC d/b/a Barrow Hanley Global Investors</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.04</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.25</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">1290 VT GAMCO Mergers & Acquisitions</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">GAMCO Asset Management, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.29</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.91</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.70</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.38%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">1290 VT GAMCO Small Company Value</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">GAMCO Asset Management, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.05</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.82</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.24</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">1290 VT High Yield Bond</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AXA Investment Managers US Inc., Post Advisory Group, LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.02</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.54</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.92</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">1290 VT Natural Resources</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">28.04</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">1290 VT Real Estate</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.67</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.69</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.28%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">1290 VT Small Cap Value</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">BlackRock Investment Management, LLC, Horizon Kinetics Asset Management LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.23</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.11</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.44</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.19%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/AB Dynamic Growth</div><div style="font-family:Arial;display:inline;"><div style=";display:inline;vertical-align: super;font-size:7.4px">Δ</div> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.89</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.60</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.95%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/AB Dynamic Moderate Growth</div><div style="font-family:Arial;display:inline;"><div style=";display:inline;vertical-align: super;font-size:7.4px">Δ</div> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.13</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.46</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.31</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/AB Small Cap Growth</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.92</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.21</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.43</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Aggressive Growth Strategy</div><div style="font-family:Arial;display:inline;">† — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.01</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.17</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/All Asset Growth Allocation</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.25</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.18</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.12</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.28%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/American Century Mid Cap Value</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">American Century Investment Management, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.72</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.64</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Balanced Strategy</div><div style="font-family:Arial;display:inline;">† — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.05</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.68</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Common Stock Index</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.67</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.30</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.50</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.54%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Conservative Growth Strategy</div><div style="font-family:Arial;display:inline;">† — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.32</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.76</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Conservative Strategy</div><div style="font-family:Arial;display:inline;">† — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.86</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Core Bond Index</div><div style="font-family:Arial;display:inline;"><div style=";display:inline;vertical-align: super;font-size:7.4px">(1)</div> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">SSGA Funds Management, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.43</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.35</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.70%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Core Plus Bond</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Brandywine Global Investment Management, LLC, Loomis, Sayles & Company, L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.58</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.68</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Emerging Markets Equity PLUS</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P., EARNEST Partners, LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.20</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33.46</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.64</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Equity 500 Index</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.53</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.24</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.79</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.16%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Fidelity Institutional AM<div style=";display:inline;vertical-align: super;font-size:7.4px">®</div> Large Cap</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">FIAM LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.87</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">18.34</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.86</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Franklin Rising Dividends</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Franklin Advisers, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.87</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.84</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.50</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Goldman Sachs Mid Cap Value</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Goldman Sachs Asset Management L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.09</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.22</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.66</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Goldman Sachs Moderate Growth Allocation</div><div style="font-family:Arial;display:inline;"><div style=";display:inline;vertical-align: super;font-size:7.4px">Δ</div> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Goldman Sachs Asset Management L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.02</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.02</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.76%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td> </tr> </table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:63%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;">Current</div></div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Expenses </div></div> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company — Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Sub-Adviser(s),</div> as applicable</div></div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Growth Strategy</div><div style="font-family:Arial;display:inline;">† — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.44</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Intermediate Government Bond</div><div style="font-family:Arial;display:inline;"><div style=";display:inline;vertical-align: super;font-size:7.4px">(1)</div> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">SSGA Funds Management, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.54</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.30</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/International Core Managed Volatility</div><div style="font-family:Arial;display:inline;">† — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">BlackRock Investment Management, LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26.12</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.52</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/International Equity Index</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31.53</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.91</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Invesco Comstock</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Invesco Advisers, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.93</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.99</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.71%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Invesco Global</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Invesco Advisers, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.40</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.59%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Invesco Global Real Assets</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Invesco Advisers, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.16</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.93</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.11</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Invesco Moderate Allocation</div><div style="font-family:Arial;display:inline;"><div style=";display:inline;vertical-align: super;font-size:7.4px">Δ</div> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Invesco Advisers, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.42</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.29%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Janus Enterprise</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Janus Henderson Investors US LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.04</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.05</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/JPMorgan Growth Stock</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">J.P. Morgan Investment Management Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.96</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.76</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.43</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/JPMorgan Hedged Equity and Premium Income<div style=";display:inline;vertical-align: super;font-size:7.4px">¥</div></div><div style="font-family:Arial;display:inline;"><div style=";display:inline;vertical-align: super;font-size:7.4px">Δ</div> — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.41</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.65</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Large Cap Growth Index</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.71</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.74</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.51</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.26%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Large Cap Value Index</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.74</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.04</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.52</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Large Cap Value Managed Volatility</div><div style="font-family:Arial;display:inline;">† — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.86</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.62</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.69</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Lazard Emerging Markets Equity</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Lazard Asset Management LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.35</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">42.06</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.84</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Loomis Sayles Growth</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Loomis, Sayles & Company, L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.03</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.08</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.72</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.87%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/MFS International Growth</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Massachusetts Financial Services Company d/b/a MFS Investment Management</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">20.90</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/MFS International Intrinsic Value</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Massachusetts Financial Services Company d/b/a MFS Investment Management</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32.95</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.99</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/MFS Mid Cap Focused Growth</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Massachusetts Financial Services Company d/b/a MFS Investment Management</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.60</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.09</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/MFS Technology</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Massachusetts Financial Services Company d/b/a MFS Investment Management</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.24</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/MFS Utilities Series</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Massachusetts Financial Services Company d/b/a MFS Investment Management</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.05</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.65</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.33</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Mid Cap Index</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.64</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.80</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.42</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.99%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Mid Cap Value Managed Volatility</div><div style="font-family:Arial;display:inline;">† — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">BlackRock Investment Management, LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.98</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.20%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Moderate Allocation</div><div style="font-family:Arial;display:inline;">† — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.08</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.20</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.12</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Moderate Growth Strategy</div><div style="font-family:Arial;display:inline;">† — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.98</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.83</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.67</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Cash/Cash <br/>Equivalent</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Money Market</div><div style="font-family:Arial;display:inline;">* — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Dreyfus, a division of Mellon Investments Corporation</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.67</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.66</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.79</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/PIMCO Global Real Return</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Pacific Investment Management Company LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.74</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.52</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/PIMCO Real Return</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Pacific Investment Management Company LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.22</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.95</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.24</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/PIMCO Total Return ESG</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Pacific Investment Management Company LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.75</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.70</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.14</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/PIMCO Ultra Short Bond</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Pacific Investment Management Company LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.80</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.47</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Small Company Index</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.63</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.57</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.16</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.44%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/T. Rowe Price Health Sciences</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">T. Rowe Price Associates, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.20</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.21</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Ultra Conservative Strategy</div><div style="font-family:Arial;display:inline;">†# — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.56</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.25</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Value Equity</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Aristotle Capital Management, LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.91</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.01</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.65</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Wellington Energy</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Wellington Management Company LLP</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.19</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.17</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Equitable Conservative Growth MF/ETF Portfolio</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.03</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Multimanager Aggressive Equity</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.99</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.30</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.47</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Multimanager Technology</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P., FIAM LLC, Wellington Management Company LLP</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.23</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">25.87</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.46</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">^</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This Portfolio’s annual expenses reflect temporary fee reductions. </div></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">Δ</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">Certain other affiliated Portfolios, as well as unaffiliated Portfolios, may utilize volatility management techniques (including Fund of Fund Portfolios that invest in other Portfolios that utilize volatility management techniques) that differ from the EQ volatility management strategy. Affiliated Portfolios that utilize these volatility management techniques are identified in the chart by a “<div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">Δ</div>”. Any such unaffiliated Portfolio is not identified in the chart. See “Portfolios of the Trusts” for more information regarding volatility management. </div></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">†</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">EQ Managed Volatility Portfolios that include the EQ volatility management strategy as part of their investment objective and/or principal investment strategy, and the EQ/affiliated Fund of Fund Portfolios that invest in Portfolios that use the EQ volatility management strategy, are identified in the chart by a “†“. See “Portfolios of the Trusts” for more information regarding volatility management. </div></div> </td> </tr> </table> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td> </tr> </table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">*</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The Portfolio operates as a “government money market fund.” The Portfolio will invest at least 99.5% of its total assets in U.S. government securities, cash, and/or repurchase agreements that are fully collateralized by U.S. government securities or cash. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">#</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The ATP Portfolio is part of the asset transfer program. You may not directly allocate a contribution to or request a transfer of account value into this investment option. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">¥</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">“<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">J.P. Morgan” and “JPMorgan” are registered trademarks of J.P. Morgan Chase Bank, NA (“JPMC”) and have been licensed for use by Equitable Investment Management Group, LLC. EQ/JPMorgan Hedged Equity and Premium Income Portfolio is not sponsored, endorsed, or promoted by JPMC and JPMC makes no representation regarding the advisability of investing in EQ/JPMorgan Hedged Equity and Premium Income Portfolio.</div></div></div> </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">Effective on or about June 29, 2026, and subject to shareholder approval, SSGA Funds Management, Inc. will be replaced as a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">sub-adviser</div> to the Portfolio (or an allocated portion thereof) with AllianceBernstein L.P. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Unaffiliated Portfolio Companies: </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:66%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Current </div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Expenses </div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company — Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;">Sub-Adviser(s), as applicable</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">American Funds Insurance Series</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> Global Small Capitalization Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Capital Research and Management Company</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.33</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.23%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.96%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">American Funds Insurance Series</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> New World Fund</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Capital Research and Management Company</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.07</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">27.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.06%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">American Funds Insurance Series</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> The Bond Fund of America</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Capital Research and Management Company</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.98</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.38%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.11%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">BlackRock Global Allocation V.I. Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">BlackRock Advisors, LLC</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">BlackRock International Limited, BlackRock (Singapore) Limited</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.01</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.51</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.51%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.33%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">BlackRock Large Cap Focus Growth V.I. Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">BlackRock Advisors, LLC</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.02</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.48</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.19%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Eaton Vance VT Floating-Rate Income Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Eaton Vance Management</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.19</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.94</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.64%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.43%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Fidelity</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> VIP Mid Cap Portfolio</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Fidelity Management and Research Company (FMR)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.80</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.49</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.83%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.31%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Fidelity</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> VIP Strategic Income Portfolio</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Fidelity Management and Research Company (FMR)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.88</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.58</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.79%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Franklin Allocation VIP Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Franklin Advisers, Inc.</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.82</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.60</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.73%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Franklin Income VIP Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Franklin Advisers, Inc.</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.56</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.66%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.30%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Hartford Disciplined Equity HLS Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Hartford Funds Management Company, LLC</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Wellington Management Company LLP</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.09</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.75</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.51%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.90%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Invesco V.I. Diversified Dividend Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Invesco Advisers, Inc.</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.93</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.44</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.53%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Invesco V.I. Equity and Income Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Invesco Advisers, Inc.</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.82</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.52</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.68%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.64%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Lord Abbett Bond Debenture Portfolio (VC)</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Lord, Abbett & Co. LLC</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.98</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.33</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.10%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.72%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">MFS</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> Massachusetts Investors Growth Stock Portfolio</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Massachusetts Financial Services Company</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.74%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Nomura VIP Asset Strategy Series</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Delaware Management Company</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Macquarie Investment Management Global Limited</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.77</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.66</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.07%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.84%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Nomura VIP High Income Series</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Delaware Management Company</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Nomura Corporate Research and Asset Management Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.17</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.73%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">PIMCO CommodityRealReturn</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> Strategy Portfolio</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Pacific Investment Management Company LLC</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.29</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">18.85</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.44%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">ProFund VP Biotechnology</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">ProFund Advisors LLC</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.60</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">34.03</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.50%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Templeton Emerging Markets VIP Fund</div><div style="font-family:Arial;display:inline;"><div style=";display:inline;vertical-align: super;font-size:7.4px">(1)</div> — </div><div style="font-family:Arial;display:inline;">Templeton Asset Management Ltd.</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.37</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">46.27</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.46%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Templeton Global Bond VIP Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Franklin Advisers, Inc.</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.75</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.73</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.96%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.15%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">VanEck VIP Global Resources Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Van Eck Associates Corporation</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.32</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">36.17</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.24%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">^</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This Portfolio’s annual expenses reflect temporary fee reductions. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This is the variable investment option’s new name. The variable investment option’s former name is Templeton Developing Markets VIP Fund which may continue to be used in certain documents for a period of time after the date of this prospectus. </div></div></td></tr></table> The following is a list of Portfolio Companies available under the contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at www.equitable.com/ICSR#EQH157123. You can request this information at no cost by calling 1-877-522-5035 or by sending an email request to <div style="text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;"></div>EquitableFunds@dfinsolutions.com. If you elect a Guaranteed benefit, you may only invest in the Portfolios listed in the Protected Benefit account table below. <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The current expenses and performance information below reflects fee and expenses of the Portfolios, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance. </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Affiliated Portfolio Companies: </div></div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:63%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;">Current</div></div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Expenses </div></div> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company — Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Sub-Adviser(s), as applicable</div></div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">1290 VT DoubleLine Opportunistic Bond</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Equitable Investment Management Group, LLC (“EIMG”)</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">DoubleLine Capital LP</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.91</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.25</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.27</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">1290 VT Equity Income</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Barrow, Hanley, Mewhinney & Strauss, LLC d/b/a Barrow Hanley Global Investors</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.04</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.25</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">1290 VT GAMCO Mergers & Acquisitions</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">GAMCO Asset Management, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.29</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.91</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.70</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.38%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">1290 VT GAMCO Small Company Value</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">GAMCO Asset Management, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.05</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.82</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.24</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">1290 VT High Yield Bond</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AXA Investment Managers US Inc., Post Advisory Group, LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.02</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.54</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.92</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">1290 VT Natural Resources</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">28.04</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">1290 VT Real Estate</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.67</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.69</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.28%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">1290 VT Small Cap Value</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">BlackRock Investment Management, LLC, Horizon Kinetics Asset Management LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.23</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.11</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.44</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.19%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/AB Dynamic Growth</div><div style="font-family:Arial;display:inline;"><div style=";display:inline;vertical-align: super;font-size:7.4px">Δ</div> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.89</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.60</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.95%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/AB Dynamic Moderate Growth</div><div style="font-family:Arial;display:inline;"><div style=";display:inline;vertical-align: super;font-size:7.4px">Δ</div> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.13</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.46</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.31</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/AB Small Cap Growth</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.92</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.21</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.43</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Aggressive Growth Strategy</div><div style="font-family:Arial;display:inline;">† — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.01</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.17</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/All Asset Growth Allocation</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.25</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.18</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.12</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.28%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/American Century Mid Cap Value</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">American Century Investment Management, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.72</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.64</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Balanced Strategy</div><div style="font-family:Arial;display:inline;">† — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.05</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.68</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Common Stock Index</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.67</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.30</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.50</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.54%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Conservative Growth Strategy</div><div style="font-family:Arial;display:inline;">† — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.32</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.76</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Conservative Strategy</div><div style="font-family:Arial;display:inline;">† — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.86</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Core Bond Index</div><div style="font-family:Arial;display:inline;"><div style=";display:inline;vertical-align: super;font-size:7.4px">(1)</div> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">SSGA Funds Management, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.43</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.35</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.70%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Core Plus Bond</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Brandywine Global Investment Management, LLC, Loomis, Sayles & Company, L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.58</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.68</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Emerging Markets Equity PLUS</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P., EARNEST Partners, LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.20</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33.46</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.64</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Equity 500 Index</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.53</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.24</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.79</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.16%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Fidelity Institutional AM<div style=";display:inline;vertical-align: super;font-size:7.4px">®</div> Large Cap</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">FIAM LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.87</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">18.34</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.86</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Franklin Rising Dividends</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Franklin Advisers, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.87</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.84</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.50</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Goldman Sachs Mid Cap Value</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Goldman Sachs Asset Management L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.09</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.22</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.66</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Goldman Sachs Moderate Growth Allocation</div><div style="font-family:Arial;display:inline;"><div style=";display:inline;vertical-align: super;font-size:7.4px">Δ</div> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Goldman Sachs Asset Management L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.02</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.02</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.76%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td> </tr> </table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:63%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;">Current</div></div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Expenses </div></div> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company — Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Sub-Adviser(s),</div> as applicable</div></div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Growth Strategy</div><div style="font-family:Arial;display:inline;">† — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.44</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Intermediate Government Bond</div><div style="font-family:Arial;display:inline;"><div style=";display:inline;vertical-align: super;font-size:7.4px">(1)</div> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">SSGA Funds Management, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.54</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.30</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/International Core Managed Volatility</div><div style="font-family:Arial;display:inline;">† — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">BlackRock Investment Management, LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26.12</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.52</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/International Equity Index</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31.53</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.91</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Invesco Comstock</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Invesco Advisers, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.93</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.99</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.71%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Invesco Global</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Invesco Advisers, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.40</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.59%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Invesco Global Real Assets</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Invesco Advisers, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.16</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.93</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.11</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Invesco Moderate Allocation</div><div style="font-family:Arial;display:inline;"><div style=";display:inline;vertical-align: super;font-size:7.4px">Δ</div> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Invesco Advisers, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.42</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.29%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Janus Enterprise</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Janus Henderson Investors US LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.04</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.05</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/JPMorgan Growth Stock</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">J.P. Morgan Investment Management Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.96</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.76</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.43</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/JPMorgan Hedged Equity and Premium Income<div style=";display:inline;vertical-align: super;font-size:7.4px">¥</div></div><div style="font-family:Arial;display:inline;"><div style=";display:inline;vertical-align: super;font-size:7.4px">Δ</div> — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.41</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.65</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Large Cap Growth Index</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.71</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.74</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.51</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.26%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Large Cap Value Index</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.74</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.04</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.52</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Large Cap Value Managed Volatility</div><div style="font-family:Arial;display:inline;">† — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.86</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.62</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.69</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Lazard Emerging Markets Equity</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Lazard Asset Management LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.35</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">42.06</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.84</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Loomis Sayles Growth</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Loomis, Sayles & Company, L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.03</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.08</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.72</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.87%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/MFS International Growth</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Massachusetts Financial Services Company d/b/a MFS Investment Management</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">20.90</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/MFS International Intrinsic Value</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Massachusetts Financial Services Company d/b/a MFS Investment Management</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32.95</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.99</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/MFS Mid Cap Focused Growth</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Massachusetts Financial Services Company d/b/a MFS Investment Management</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.60</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.09</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/MFS Technology</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Massachusetts Financial Services Company d/b/a MFS Investment Management</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.24</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/MFS Utilities Series</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Massachusetts Financial Services Company d/b/a MFS Investment Management</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.05</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.65</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.33</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Mid Cap Index</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.64</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.80</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.42</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.99%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Mid Cap Value Managed Volatility</div><div style="font-family:Arial;display:inline;">† — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">BlackRock Investment Management, LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.98</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.20%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Moderate Allocation</div><div style="font-family:Arial;display:inline;">† — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.08</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.20</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.12</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Moderate Growth Strategy</div><div style="font-family:Arial;display:inline;">† — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.98</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.83</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.67</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Cash/Cash <br/>Equivalent</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Money Market</div><div style="font-family:Arial;display:inline;">* — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Dreyfus, a division of Mellon Investments Corporation</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.67</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.66</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.79</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/PIMCO Global Real Return</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Pacific Investment Management Company LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.74</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.52</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/PIMCO Real Return</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Pacific Investment Management Company LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.22</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.95</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.24</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/PIMCO Total Return ESG</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Pacific Investment Management Company LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.75</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.70</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.14</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/PIMCO Ultra Short Bond</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Pacific Investment Management Company LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.80</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.47</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Small Company Index</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.63</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.57</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.16</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.44%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/T. Rowe Price Health Sciences</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">T. Rowe Price Associates, Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.20</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.21</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Ultra Conservative Strategy</div><div style="font-family:Arial;display:inline;">†# — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.56</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.25</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Value Equity</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Aristotle Capital Management, LLC</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.91</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.01</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.65</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">EQ/Wellington Energy</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Wellington Management Company LLP</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.19</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.17</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Equitable Conservative Growth MF/ETF Portfolio</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.03</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Multimanager Aggressive Equity</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.99</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.30</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.47</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Multimanager Technology</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">EIMG</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P., FIAM LLC, Wellington Management Company LLP</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.23</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">25.87</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.46</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">^</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This Portfolio’s annual expenses reflect temporary fee reductions. </div></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">Δ</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">Certain other affiliated Portfolios, as well as unaffiliated Portfolios, may utilize volatility management techniques (including Fund of Fund Portfolios that invest in other Portfolios that utilize volatility management techniques) that differ from the EQ volatility management strategy. Affiliated Portfolios that utilize these volatility management techniques are identified in the chart by a “<div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">Δ</div>”. Any such unaffiliated Portfolio is not identified in the chart. See “Portfolios of the Trusts” for more information regarding volatility management. </div></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">†</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">EQ Managed Volatility Portfolios that include the EQ volatility management strategy as part of their investment objective and/or principal investment strategy, and the EQ/affiliated Fund of Fund Portfolios that invest in Portfolios that use the EQ volatility management strategy, are identified in the chart by a “†“. See “Portfolios of the Trusts” for more information regarding volatility management. </div></div> </td> </tr> </table> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td> </tr> </table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">*</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The Portfolio operates as a “government money market fund.” The Portfolio will invest at least 99.5% of its total assets in U.S. government securities, cash, and/or repurchase agreements that are fully collateralized by U.S. government securities or cash. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">#</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The ATP Portfolio is part of the asset transfer program. You may not directly allocate a contribution to or request a transfer of account value into this investment option. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">¥</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">“<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">J.P. Morgan” and “JPMorgan” are registered trademarks of J.P. Morgan Chase Bank, NA (“JPMC”) and have been licensed for use by Equitable Investment Management Group, LLC. EQ/JPMorgan Hedged Equity and Premium Income Portfolio is not sponsored, endorsed, or promoted by JPMC and JPMC makes no representation regarding the advisability of investing in EQ/JPMorgan Hedged Equity and Premium Income Portfolio.</div></div></div> </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">Effective on or about June 29, 2026, and subject to shareholder approval, SSGA Funds Management, Inc. will be replaced as a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">sub-adviser</div> to the Portfolio (or an allocated portion thereof) with AllianceBernstein L.P. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Unaffiliated Portfolio Companies: </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:66%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Current </div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Expenses </div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company — Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;">Sub-Adviser(s), as applicable</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">American Funds Insurance Series</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> Global Small Capitalization Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Capital Research and Management Company</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.33</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.23%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.96%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">American Funds Insurance Series</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> New World Fund</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Capital Research and Management Company</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.07</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">27.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.06%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">American Funds Insurance Series</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> The Bond Fund of America</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Capital Research and Management Company</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.98</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.38%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.11%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">BlackRock Global Allocation V.I. Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">BlackRock Advisors, LLC</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">BlackRock International Limited, BlackRock (Singapore) Limited</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.01</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.51</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.51%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.33%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">BlackRock Large Cap Focus Growth V.I. Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">BlackRock Advisors, LLC</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.02</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.48</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.19%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Eaton Vance VT Floating-Rate Income Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Eaton Vance Management</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.19</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.94</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.64%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.43%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Fidelity</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> VIP Mid Cap Portfolio</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Fidelity Management and Research Company (FMR)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.80</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.49</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.83%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.31%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Fidelity</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> VIP Strategic Income Portfolio</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Fidelity Management and Research Company (FMR)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.88</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.58</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.79%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Franklin Allocation VIP Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Franklin Advisers, Inc.</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.82</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.60</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.73%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Franklin Income VIP Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Franklin Advisers, Inc.</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.56</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.66%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.30%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Hartford Disciplined Equity HLS Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Hartford Funds Management Company, LLC</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Wellington Management Company LLP</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.09</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.75</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.51%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.90%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Invesco V.I. Diversified Dividend Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Invesco Advisers, Inc.</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.93</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.44</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.53%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Invesco V.I. Equity and Income Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Invesco Advisers, Inc.</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.82</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.52</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.68%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.64%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Lord Abbett Bond Debenture Portfolio (VC)</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Lord, Abbett & Co. LLC</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.98</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.33</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.10%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.72%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">MFS</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> Massachusetts Investors Growth Stock Portfolio</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Massachusetts Financial Services Company</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.74%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Nomura VIP Asset Strategy Series</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Delaware Management Company</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Macquarie Investment Management Global Limited</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.77</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.66</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.07%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.84%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Nomura VIP High Income Series</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Delaware Management Company</div><div style="font-family:Arial;display:inline;">; </div><div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Nomura Corporate Research and Asset Management Inc.</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.17</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.73%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">PIMCO CommodityRealReturn</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> Strategy Portfolio</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Pacific Investment Management Company LLC</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.29</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">18.85</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.44%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">ProFund VP Biotechnology</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">ProFund Advisors LLC</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.60</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">34.03</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.50%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Templeton Emerging Markets VIP Fund</div><div style="font-family:Arial;display:inline;"><div style=";display:inline;vertical-align: super;font-size:7.4px">(1)</div> — </div><div style="font-family:Arial;display:inline;">Templeton Asset Management Ltd.</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.37</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">46.27</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.46%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">Templeton Global Bond VIP Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Franklin Advisers, Inc.</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.75</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.73</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.96%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.15%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;"><div style="font-family:Arial;display:inline;">VanEck VIP Global Resources Fund</div><div style="font-family:Arial;display:inline;"> — </div><div style="font-family:Arial;display:inline;">Van Eck Associates Corporation</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.32</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">36.17</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.24%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">^</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This Portfolio’s annual expenses reflect temporary fee reductions. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This is the variable investment option’s new name. The variable investment option’s former name is Templeton Developing Markets VIP Fund which may continue to be used in certain documents for a period of time after the date of this prospectus. </div></div></td></tr></table> Fixed Income <div style="font-family:Arial;display:inline;">1290 VT DoubleLine Opportunistic Bond</div> <div style="font-family:Arial;display:inline;">Equitable Investment Management Group, LLC (“EIMG”)</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">DoubleLine Capital LP</div></div> 0.0091 0.0725 0.0027 0.0212 Equity <div style="font-family:Arial;display:inline;">1290 VT Equity Income</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Barrow, Hanley, Mewhinney & Strauss, LLC d/b/a Barrow Hanley Global Investors</div></div> 0.0095 0.1304 0.1125 0.0885 Specialty <div style="font-family:Arial;display:inline;">1290 VT GAMCO Mergers & Acquisitions</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">GAMCO Asset Management, Inc.</div></div> 0.0129 0.1591 0.077 0.0538 Equity <div style="font-family:Arial;display:inline;">1290 VT GAMCO Small Company Value</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">GAMCO Asset Management, Inc.</div></div> 0.0105 0.1282 0.1124 0.1077 Fixed Income <div style="font-family:Arial;display:inline;">1290 VT High Yield Bond</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AXA Investment Managers US Inc., Post Advisory Group, LLC</div></div> 0.0102 0.0754 0.0392 0.0541 Specialty <div style="font-family:Arial;display:inline;">1290 VT Natural Resources</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div> 0.009 0.2804 0.1606 0.0942 Specialty <div style="font-family:Arial;display:inline;">1290 VT Real Estate</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div> 0.009 0.0967 0.0269 0.0328 Equity <div style="font-family:Arial;display:inline;">1290 VT Small Cap Value</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">BlackRock Investment Management, LLC, Horizon Kinetics Asset Management LLC</div></div> 0.0123 0.0611 0.1344 0.1119 Asset Allocation <div style="font-family:Arial;display:inline;">EQ/AB Dynamic Growth</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div> 0.0115 0.1489 0.076 0.0695 Asset Allocation <div style="font-family:Arial;display:inline;">EQ/AB Dynamic Moderate Growth</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div> 0.0113 0.1346 0.0631 0.0612 Equity <div style="font-family:Arial;display:inline;">EQ/AB Small Cap Growth</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div> 0.0092 0.0921 0.0343 0.101 Asset Allocation <div style="font-family:Arial;display:inline;">EQ/Aggressive Growth Strategy</div> <div style="font-family:Arial;display:inline;">EIMG</div> 0.0101 0.1217 0.0761 0.0904 Asset Allocation <div style="font-family:Arial;display:inline;">EQ/All Asset Growth Allocation</div> <div style="font-family:Arial;display:inline;">EIMG</div> 0.0125 0.1718 0.0712 0.0828 Equity <div style="font-family:Arial;display:inline;">EQ/American Century Mid Cap Value</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">American Century Investment Management, Inc.</div></div> 0.01 0.0872 0.0864 0 Asset Allocation <div style="font-family:Arial;display:inline;">EQ/Balanced Strategy</div> <div style="font-family:Arial;display:inline;">EIMG</div> 0.0097 0.1005 0.0468 0.0608 Equity <div style="font-family:Arial;display:inline;">EQ/Common Stock Index</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div> 0.0067 0.163 0.125 0.1354 Asset Allocation <div style="font-family:Arial;display:inline;">EQ/Conservative Growth Strategy</div> <div style="font-family:Arial;display:inline;">EIMG</div> 0.0097 0.0932 0.0376 0.051 Asset Allocation <div style="font-family:Arial;display:inline;">EQ/Conservative Strategy</div> <div style="font-family:Arial;display:inline;">EIMG</div> 0.0095 0.0786 0.0193 0.0312 Fixed Income <div style="font-family:Arial;display:inline;">EQ/Core Bond Index</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">SSGA Funds Management, Inc.</div></div> 0.0062 0.0643 0.0035 0.017 Fixed Income <div style="font-family:Arial;display:inline;">EQ/Core Plus Bond</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Brandywine Global Investment Management, LLC, Loomis, Sayles & Company, L.P.</div></div> 0.0093 0.0858 -0.0068 0.0217 Equity <div style="font-family:Arial;display:inline;">EQ/Emerging Markets Equity PLUS</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P., EARNEST Partners, LLC</div></div> 0.012 0.3346 0.0464 0.0773 Equity <div style="font-family:Arial;display:inline;">EQ/Equity 500 Index</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div> 0.0053 0.1724 0.1379 0.1416 Equity <div style="font-family:Arial;display:inline;">EQ/Fidelity Institutional AM<div style=";display:inline;vertical-align: super;font-size:7.4px">®</div> Large Cap</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">FIAM LLC</div></div> 0.0087 0.1834 0.1386 0 Equity <div style="font-family:Arial;display:inline;">EQ/Franklin Rising Dividends</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Franklin Advisers, Inc.</div></div> 0.0087 0.1184 0.095 0 Equity <div style="font-family:Arial;display:inline;">EQ/Goldman Sachs Mid Cap Value</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Goldman Sachs Asset Management L.P.</div></div> 0.0109 0.0922 0.0966 0 Asset Allocation <div style="font-family:Arial;display:inline;">EQ/Goldman Sachs Moderate Growth Allocation</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Goldman Sachs Asset Management L.P.</div></div> 0.0115 0.1002 0.0502 0.0576 Asset Allocation <div style="font-family:Arial;display:inline;">EQ/Growth Strategy</div> <div style="font-family:Arial;display:inline;">EIMG</div> 0.01 0.1144 0.0661 0.0807 Fixed Income <div style="font-family:Arial;display:inline;">EQ/Intermediate Government Bond</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">SSGA Funds Management, Inc.</div></div> 0.0062 0.0554 0.003 0.0115 Equity <div style="font-family:Arial;display:inline;">EQ/International Core Managed Volatility</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">BlackRock Investment Management, LLC</div></div> 0.0106 0.2612 0.0752 0.0748 Equity <div style="font-family:Arial;display:inline;">EQ/International Equity Index</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div> 0.0072 0.3153 0.0991 0.0807 Equity <div style="font-family:Arial;display:inline;">EQ/Invesco Comstock</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Invesco Advisers, Inc.</div></div> 0.01 0.1693 0.1499 0.1171 Equity <div style="font-family:Arial;display:inline;">EQ/Invesco Global</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Invesco Advisers, Inc.</div></div> 0.011 0.154 0.0695 0.1059 Specialty <div style="font-family:Arial;display:inline;">EQ/Invesco Global Real Assets</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Invesco Advisers, Inc.</div></div> 0.0116 0.1593 0.0711 0 Asset Allocation <div style="font-family:Arial;display:inline;">EQ/Invesco Moderate Allocation</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Invesco Advisers, Inc.</div></div> 0.0115 0.0942 0.0461 0.0529 Equity <div style="font-family:Arial;display:inline;">EQ/Janus Enterprise</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Janus Henderson Investors US LLC</div></div> 0.0104 0.0805 0.0706 0.1061 Equity <div style="font-family:Arial;display:inline;">EQ/JPMorgan Growth Stock</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">J.P. Morgan Investment Management Inc.</div></div> 0.0096 0.1476 0.0943 0.1408 Asset Allocation <div style="font-family:Arial;display:inline;">EQ/JPMorgan Hedged Equity and Premium Income<div style=";display:inline;vertical-align: super;font-size:7.4px">¥</div></div> <div style="font-family:Arial;display:inline;">EIMG</div> 0.0115 0.1241 0.0465 0 Equity <div style="font-family:Arial;display:inline;">EQ/Large Cap Growth Index</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div> 0.0071 0.1774 0.1451 0.1726 Equity <div style="font-family:Arial;display:inline;">EQ/Large Cap Value Index</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div> 0.0074 0.1504 0.1052 0.0977 Equity <div style="font-family:Arial;display:inline;">EQ/Large Cap Value Managed Volatility</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div> 0.0086 0.1062 0.0969 0.0956 Equity <div style="font-family:Arial;display:inline;">EQ/Lazard Emerging Markets Equity</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Lazard Asset Management LLC</div></div> 0.0135 0.4206 0.1084 0 Equity <div style="font-family:Arial;display:inline;">EQ/Loomis Sayles Growth</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Loomis, Sayles & Company, L.P.</div></div> 0.0103 0.1308 0.1272 0.1587 Equity <div style="font-family:Arial;display:inline;">EQ/MFS International Growth</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Massachusetts Financial Services Company d/b/a MFS Investment Management</div></div> 0.011 0.209 0.069 0.0961 Equity <div style="font-family:Arial;display:inline;">EQ/MFS International Intrinsic Value</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Massachusetts Financial Services Company d/b/a MFS Investment Management</div></div> 0.0115 0.3295 0.0699 0 Equity <div style="font-family:Arial;display:inline;">EQ/MFS Mid Cap Focused Growth</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Massachusetts Financial Services Company d/b/a MFS Investment Management</div></div> 0.011 0.056 0.0509 0 Specialty <div style="font-family:Arial;display:inline;">EQ/MFS Technology</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Massachusetts Financial Services Company d/b/a MFS Investment Management</div></div> 0.011 0.1624 0.1206 0 Specialty <div style="font-family:Arial;display:inline;">EQ/MFS Utilities Series</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Massachusetts Financial Services Company d/b/a MFS Investment Management</div></div> 0.0105 0.1465 0.0733 0 Equity <div style="font-family:Arial;display:inline;">EQ/Mid Cap Index</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div> 0.0064 0.068 0.0842 0.0999 Equity <div style="font-family:Arial;display:inline;">EQ/Mid Cap Value Managed Volatility</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">BlackRock Investment Management, LLC</div></div> 0.0097 0.0498 0.0762 0.082 Asset Allocation <div style="font-family:Arial;display:inline;">EQ/Moderate Allocation</div> <div style="font-family:Arial;display:inline;">EIMG</div> 0.0108 0.102 0.0412 0.0577 Asset Allocation <div style="font-family:Arial;display:inline;">EQ/Moderate Growth Strategy</div> <div style="font-family:Arial;display:inline;">EIMG</div> 0.0098 0.1083 0.0567 0.0708 Cash/Cash <br/>Equivalent <div style="font-family:Arial;display:inline;">EQ/Money Market</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Dreyfus, a division of Mellon Investments Corporation</div></div> 0.0067 0.0366 0.0279 0.0173 Fixed Income <div style="font-family:Arial;display:inline;">EQ/PIMCO Global Real Return</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Pacific Investment Management Company LLC</div></div> 0.0274 0.0552 -0.009 0.0248 Fixed Income <div style="font-family:Arial;display:inline;">EQ/PIMCO Real Return</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Pacific Investment Management Company LLC</div></div> 0.0222 0.0795 0.0124 0 Fixed Income <div style="font-family:Arial;display:inline;">EQ/PIMCO Total Return ESG</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Pacific Investment Management Company LLC</div></div> 0.0075 0.087 -0.0014 0 Fixed Income <div style="font-family:Arial;display:inline;">EQ/PIMCO Ultra Short Bond</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Pacific Investment Management Company LLC</div></div> 0.008 0.0447 0.0293 0.0232 Equity <div style="font-family:Arial;display:inline;">EQ/Small Company Index</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div> 0.0063 0.1257 0.0616 0.0944 Specialty <div style="font-family:Arial;display:inline;">EQ/T. Rowe Price Health Sciences</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">T. Rowe Price Associates, Inc.</div></div> 0.012 0.1921 0.0362 0 Asset Allocation <div style="font-family:Arial;display:inline;">EQ/Ultra Conservative Strategy</div> <div style="font-family:Arial;display:inline;">EIMG</div> 0.009 0.0656 0.0125 0.0208 Equity <div style="font-family:Arial;display:inline;">EQ/Value Equity</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Aristotle Capital Management, LLC</div></div> 0.0091 0.1101 0.0865 0.0847 Specialty <div style="font-family:Arial;display:inline;">EQ/Wellington Energy</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Wellington Management Company LLP</div></div> 0.0119 0.1217 0.179 0 Asset Allocation <div style="font-family:Arial;display:inline;">Equitable Conservative Growth MF/ETF Portfolio</div> <div style="font-family:Arial;display:inline;">EIMG</div> 0.011 0.1203 0.0495 0.0685 Equity <div style="font-family:Arial;display:inline;">Multimanager Aggressive Equity</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P.</div></div> 0.0099 0.163 0.1147 0.1566 Specialty <div style="font-family:Arial;display:inline;">Multimanager Technology</div> <div style="font-family:Arial;display:inline;">EIMG</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">AllianceBernstein L.P., FIAM LLC, Wellington Management Company LLP</div></div> 0.0123 0.2587 0.1246 0.1941 Equity <div style="font-family:Arial;display:inline;">American Funds Insurance Series</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> Global Small Capitalization Fund</div> <div style="font-family:Arial;display:inline;">Capital Research and Management Company</div> 0.0115 0.1433 0.0023 0.0696 Equity <div style="font-family:Arial;display:inline;">American Funds Insurance Series</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> New World Fund</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div> <div style="font-family:Arial;display:inline;">Capital Research and Management Company</div> 0.0107 0.2793 0.0506 0.0898 Fixed Income <div style="font-family:Arial;display:inline;">American Funds Insurance Series</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> The Bond Fund of America</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div> <div style="font-family:Arial;display:inline;">Capital Research and Management Company</div> 0.0072 0.0698 -0.0038 0.0211 Asset Allocation <div style="font-family:Arial;display:inline;">BlackRock Global Allocation V.I. Fund</div> <div style="font-family:Arial;display:inline;">BlackRock Advisors, LLC</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">BlackRock International Limited, BlackRock (Singapore) Limited</div></div> 0.0101 0.1951 0.0551 0.0733 Equity <div style="font-family:Arial;display:inline;">BlackRock Large Cap Focus Growth V.I. Fund</div> <div style="font-family:Arial;display:inline;">BlackRock Advisors, LLC</div> 0.0102 0.1148 0.1019 0.1598 Specialty <div style="font-family:Arial;display:inline;">Eaton Vance VT Floating-Rate Income Fund</div> <div style="font-family:Arial;display:inline;">Eaton Vance Management</div> 0.0119 0.0394 0.0464 0.0443 Equity <div style="font-family:Arial;display:inline;">Fidelity</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> VIP Mid Cap Portfolio</div> <div style="font-family:Arial;display:inline;">Fidelity Management and Research Company (FMR)</div> 0.008 0.1149 0.0983 0.1031 Fixed Income <div style="font-family:Arial;display:inline;">Fidelity</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> VIP Strategic Income Portfolio</div> <div style="font-family:Arial;display:inline;">Fidelity Management and Research Company (FMR)</div> 0.0088 0.0858 0.0279 0.044 Asset Allocation <div style="font-family:Arial;display:inline;">Franklin Allocation VIP Fund</div> <div style="font-family:Arial;display:inline;">Franklin Advisers, Inc.</div> 0.0082 0.126 0.0573 0.0732 Asset Allocation <div style="font-family:Arial;display:inline;">Franklin Income VIP Fund</div> <div style="font-family:Arial;display:inline;">Franklin Advisers, Inc.</div> 0.0072 0.1256 0.0766 0.073 Equity <div style="font-family:Arial;display:inline;">Hartford Disciplined Equity HLS Fund</div> <div style="font-family:Arial;display:inline;">Hartford Funds Management Company, LLC</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Wellington Management Company LLP</div></div> 0.0109 0.1375 0.1151 0.129 Equity <div style="font-family:Arial;display:inline;">Invesco V.I. Diversified Dividend Fund</div> <div style="font-family:Arial;display:inline;">Invesco Advisers, Inc.</div> 0.0093 0.1544 0.1053 0.0893 Asset Allocation <div style="font-family:Arial;display:inline;">Invesco V.I. Equity and Income Fund</div> <div style="font-family:Arial;display:inline;">Invesco Advisers, Inc.</div> 0.0082 0.1252 0.0868 0.0864 Fixed Income <div style="font-family:Arial;display:inline;">Lord Abbett Bond Debenture Portfolio (VC)</div> <div style="font-family:Arial;display:inline;">Lord, Abbett & Co. LLC</div> 0.0098 0.0833 0.021 0.0472 Equity <div style="font-family:Arial;display:inline;">MFS</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> Massachusetts Investors Growth Stock Portfolio</div> <div style="font-family:Arial;display:inline;">Massachusetts Financial Services Company</div> 0.0097 0.0961 0.0974 0.1398 Asset Allocation <div style="font-family:Arial;display:inline;">Nomura VIP Asset Strategy Series</div> <div style="font-family:Arial;display:inline;">Delaware Management Company</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Macquarie Investment Management Global Limited</div></div> 0.0077 0.1666 0.0707 0.0784 Fixed Income <div style="font-family:Arial;display:inline;">Nomura VIP High Income Series</div> <div style="font-family:Arial;display:inline;">Delaware Management Company</div> <div style="font-style:italic;display:inline;"><div style="font-family:Arial;display:inline;">Nomura Corporate Research and Asset Management Inc.</div></div> 0.0097 0.0717 0.0373 0.0556 Specialty <div style="font-family:Arial;display:inline;">PIMCO CommodityRealReturn</div><div style=";display:inline;vertical-align: super;font-size:7.4px">®</div><div style="font-family:Arial;display:inline;"> Strategy Portfolio</div> <div style="font-family:Arial;display:inline;">Pacific Investment Management Company LLC</div> 0.0329 0.1885 0.1044 0.0642 Specialty <div style="font-family:Arial;display:inline;">ProFund VP Biotechnology</div> <div style="font-family:Arial;display:inline;">ProFund Advisors LLC</div> 0.016 0.3403 0.095 0.0741 Equity <div style="font-family:Arial;display:inline;">Templeton Emerging Markets VIP Fund</div> <div style="font-family:Arial;display:inline;">Templeton Asset Management Ltd.</div> 0.0137 0.4627 0.0546 0.104 Fixed Income <div style="font-family:Arial;display:inline;">Templeton Global Bond VIP Fund</div> <div style="font-family:Arial;display:inline;">Franklin Advisers, Inc.</div> 0.0075 0.1573 -0.0096 -0.0015 Specialty <div style="font-family:Arial;display:inline;">VanEck VIP Global Resources Fund</div> <div style="font-family:Arial;display:inline;">Van Eck Associates Corporation</div> 0.0132 0.3617 0.1024 0.0806 <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Protected Benefit Account Restrictions </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Amounts you allocate to the Protected Benefit account variable investment options fund your Guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:50%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:48%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td colspan="3" style="BORDER:1pxpt solid #000000; padding-left:8pt; padding-right:2pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Protected Benefit Account Variable Investment Options</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">EQ/AB Dynamic Growth</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">EQ/Goldman Sachs Moderate Growth Allocation</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">EQ/AB Dynamic Moderate Growth</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="display:inline;">EQ/Growth Strategy</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">EQ/Aggressive Growth Strategy</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="display:inline;">EQ/Invesco Moderate Allocation</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">EQ/Balanced Strategy</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="display:inline;">EQ/JPMorgan Hedged Equity and Premium Income</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">EQ/Conservative Growth Strategy</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="display:inline;">EQ/Moderate Growth Strategy</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">EQ/Conservative Strategy</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="display:inline;">EQ/Ultra Conservative Strategy<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1) </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The ATP Portfolio is part of the asset transfer program. You may not directly allocate a contribution to or request a transfer of account value into this investment option. </div></td></tr></table> true true true true true true true true true true true true <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Fixed Investment Options </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following is a list of Fixed investment options currently available under the Contract. We may change the features of the Fixed investment options listed below, offer new Fixed investment options, and terminate existing Fixed investment options. We will provide you with written notice before doing so. If you elect a Guaranteed benefit, you may not invest in the Fixed investment options and may only invest in the Portfolios listed in the Protected Benefit account table above. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See “Fixed investment options” in “Purchasing the contract” in the Prospectus for a description of the Fixed investment options’ features. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:33%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:32%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum Guaranteed Interest Rate</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Guaranteed interest option</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">N/A</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top">1.00%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Account for special dollar cost averaging</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">3 - 12 months</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top">1.00%</td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following is a list of Fixed investment options currently available under the Contract. We may change the features of the Fixed investment options listed below, offer new Fixed investment options, and terminate existing Fixed investment options. We will provide you with written notice before doing so. If you elect a Guaranteed benefit, you may not invest in the Fixed investment options and may only invest in the Portfolios listed in the Protected Benefit account table above. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See “Fixed investment options” in “Purchasing the contract” in the Prospectus for a description of the Fixed investment options’ features. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:33%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:32%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum Guaranteed Interest Rate</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Guaranteed interest option</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">N/A</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top">1.00%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Account for special dollar cost averaging</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">3 - 12 months</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top">1.00%</td></tr></table> Guaranteed interest option 0.01 Account for special dollar cost averaging P12M 0.01 <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:23%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:76%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">FEES AND EXPENSES</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Are There Charges or Adjustments for Early Withdrawals?</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"></div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> Each series of the contract provides for different withdrawal charge periods and percentages.</div> <div style="margin-top: 1em; margin-bottom: 1em"></div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series B of the contract within 7 years following your last contribution, you will be assessed a withdrawal charge of up to 7% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $7,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> of the contract within 9 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series L of the contract within 4 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">For additional information about charges for surrenders and early withdrawals see “Withdrawal charge” in “Charges and expenses” in the Prospectus.</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Are There Transaction Charges?</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> In addition to withdrawal charges, you may also be charged for other transactions including special requests such as wire transfers, express mail, duplicate contracts, preparing checks, third-party transfers or exchanges; or when you transfer between investment options in excess a certain number.</td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">For additional information about transaction charges see “Charges that the Company deducts” in “Charges and expenses” in the Prospectus.</td></tr></table> <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:23%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:76%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Are There Ongoing Fees and Expenses?</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> Each series of the contract provides for different ongoing fees and expenses.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">The table below describes the fees and expenses that you may pay <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div>, depending on the investment options and optional benefits you choose. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:62%"></td> <td style="vertical-align:bottom;width:5%"></td> <td style="width:15%"></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:15%"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Minimum</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Maximum</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Base Contract (varies by contract series)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1.30%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1.70%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Portfolio Company fees and expenses<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">0.54%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">3.48%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Optional benefits available for an additional charge (for a single optional benefit, if elected)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(3)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">0.35%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">2.30%</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:23%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:76%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.25em; text-indent: -1.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(1) Expressed as an annual percentage of the daily net assets in the variable investment options.</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.25em; text-indent: -1.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(2) Expressed as an annual percentage of daily net assets in the Portfolio. This range is for the year ended December 31, 2025 and could change from year to year.</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1.25em; text-indent: -1.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(3) Expressed as an annual percentage of the applicable benefit base.</div></div></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr></table> <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:23%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:76%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><br/></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div>, based on current charges. This estimate assumes no credits and that you do not take withdrawals from the contract, <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">which could add withdrawal charges that substantially increase costs</div></div>.</div></td></tr></table> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:20%"></td> <td style="vertical-align:bottom"></td> <td style="width:37%"></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:38%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#ffffff"> <td rowspan="2" style="vertical-align: top; padding-bottom: 0.375pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Are There Ongoing<br/>Fees and Expenses?<br/>(continued)</div></div></div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;background-color:#d8d8d8;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Lowest Annual Cost<br/>$1,695</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Highest Annual Cost<br/>$7,633</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Assumes:</div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Investment of $100,000</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">5% annual appreciation</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Least expensive combination of contract series and Portfolio fees and expenses</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No optional benefits</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No sales charges</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No additional contributions, transfers or withdrawals</div></div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Assumes:</div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Investment of $100,000</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">5% annual appreciation</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Most expensive combination of contract series (Series L), optional benefits (GMIB and “Greater of” death benefit) and Portfolio fees and expenses</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No sales charges</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No additional contributions, transfers or withdrawals</div></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:23%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:76%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">For additional information about ongoing fees and expenses see “Fee Table” in the Prospectus.</td></tr></table> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> Each series of the contract provides for different withdrawal charge periods and percentages.</div> <div style="margin-top: 1em; margin-bottom: 1em"></div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series B of the contract within 7 years following your last contribution, you will be assessed a withdrawal charge of up to 7% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $7,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> of the contract within 9 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series L of the contract within 4 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.For additional information about charges for surrenders and early withdrawals see “Withdrawal charge” in “Charges and expenses” in the Prospectus. 7 0.07 7000 9 0.08 8000 4 0.08 8000 <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> In addition to withdrawal charges, you may also be charged for other transactions including special requests such as wire transfers, express mail, duplicate contracts, preparing checks, third-party transfers or exchanges; or when you transfer between investment options in excess a certain number.For additional information about transaction charges see “Charges that the Company deducts” in “Charges and expenses” in the Prospectus. <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:23%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:76%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Are There Ongoing Fees and Expenses?</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> Each series of the contract provides for different ongoing fees and expenses.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">The table below describes the fees and expenses that you may pay <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div>, depending on the investment options and optional benefits you choose. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:62%"></td> <td style="vertical-align:bottom;width:5%"></td> <td style="width:15%"></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:15%"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Minimum</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Maximum</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Base Contract (varies by contract series)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1.30%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1.70%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Portfolio Company fees and expenses<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">0.54%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">3.48%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Optional benefits available for an additional charge (for a single optional benefit, if elected)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(3)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">0.35%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">2.30%</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:23%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:76%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.25em; text-indent: -1.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(1) Expressed as an annual percentage of the daily net assets in the variable investment options.</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.25em; text-indent: -1.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(2) Expressed as an annual percentage of daily net assets in the Portfolio. This range is for the year ended December 31, 2025 and could change from year to year.</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1.25em; text-indent: -1.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(3) Expressed as an annual percentage of the applicable benefit base.</div></div></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr></table> 0.013 0.017 0.0054 0.0348 0.0035 0.023 Expressed as an annual percentage of the daily net assets in the variable investment options. Expressed as an annual percentage of daily net assets in the Portfolio. This range is for the year ended December 31, 2025 and could change from year to year. Expressed as an annual percentage of the applicable benefit base. <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:23%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:76%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><br/></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div>, based on current charges. This estimate assumes no credits and that you do not take withdrawals from the contract, <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">which could add withdrawal charges that substantially increase costs</div></div>.</div></td></tr></table> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:20%"></td> <td style="vertical-align:bottom"></td> <td style="width:37%"></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:38%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#ffffff"> <td rowspan="2" style="vertical-align: top; padding-bottom: 0.375pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Are There Ongoing<br/>Fees and Expenses?<br/>(continued)</div></div></div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;background-color:#d8d8d8;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Lowest Annual Cost<br/>$1,695</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Highest Annual Cost<br/>$7,633</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Assumes:</div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Investment of $100,000</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">5% annual appreciation</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Least expensive combination of contract series and Portfolio fees and expenses</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No optional benefits</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No sales charges</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No additional contributions, transfers or withdrawals</div></div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Assumes:</div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Investment of $100,000</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">5% annual appreciation</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Most expensive combination of contract series (Series L), optional benefits (GMIB and “Greater of” death benefit) and Portfolio fees and expenses</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No sales charges</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No additional contributions, transfers or withdrawals</div></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:23%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:76%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">For additional information about ongoing fees and expenses see “Fee Table” in the Prospectus.</td></tr></table> 1695 7633 <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:23%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:76%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">RISKS</div></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Is There a Risk of Loss from Poor Performance?</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> The contract is subject to the risk of loss. You could lose some or all of your account value depending on the investment options you choose.</td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">For additional information about the risk of loss see “Principal risks of investing in the Contract” in the Prospectus.</td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Is this a Short-Term Investment?</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">No.</div></div> The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle. A withdrawal charge may apply in certain circumstances and any withdrawals may also be subject to federal and state income taxes and tax penalties.</td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">For additional information about the investment profile of the contract see “Fee Table” in the Prospectus.</td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">What Are the Risks Associated with the Investment Options?</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">An investment in the contract is subject to the risk of poor investment performance and can vary depending on the performance of the variable investment options available under the contract, (e.g., the Portfolios). Each investment option, including the guaranteed interest option, has its own unique risks. You should review the investment options available under the contract before making an investment decision.</td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">For additional information about the risks associated with investment options see “Variable investment options”, “Fixed investment options” and “Portfolios of the Trusts” in” Purchasing the Contract” in the Prospectus. See also Appendix “Investment options available under the contract” in the Prospectus.</td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">What Are the Risks Related to the Insurance Company?</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">An investment in the contract is subject to the risks related to the Company. The Company is solely responsible to the contract owner for the contract’s account value and the Guaranteed benefits. The general obligations, including the fixed investment options, and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. An owner should look solely to our financial strength for our claims-paying ability. More information about the Company, including our financial strength ratings, may be obtained at https://equitable.com/about-us/financial-strength-ratings.</td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">For additional information about insurance company risks see “About the general account” in “More information” in the Prospectus.</td></tr></table> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> The contract is subject to the risk of loss. You could lose some or all of your account value depending on the investment options you choose.For additional information about the risk of loss see “Principal risks of investing in the Contract” in the Prospectus. <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">No.</div></div> The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle. A withdrawal charge may apply in certain circumstances and any withdrawals may also be subject to federal and state income taxes and tax penalties.For additional information about the investment profile of the contract see “Fee Table” in the Prospectus. An investment in the contract is subject to the risk of poor investment performance and can vary depending on the performance of the variable investment options available under the contract, (e.g., the Portfolios). Each investment option, including the guaranteed interest option, has its own unique risks. You should review the investment options available under the contract before making an investment decision.For additional information about the risks associated with investment options see “Variable investment options”, “Fixed investment options” and “Portfolios of the Trusts” in” Purchasing the Contract” in the Prospectus. See also Appendix “Investment options available under the contract” in the Prospectus. An investment in the contract is subject to the risks related to the Company. The Company is solely responsible to the contract owner for the contract’s account value and the Guaranteed benefits. The general obligations, including the fixed investment options, and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. An owner should look solely to our financial strength for our claims-paying ability. More information about the Company, including our financial strength ratings, may be obtained at https://equitable.com/about-us/financial-strength-ratings.For additional information about insurance company risks see “About the general account” in “More information” in the Prospectus. <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> We may, at any time, exercise our rights to limit or terminate your contributions, allocations and transfers to any of the variable investment options (including the Protected Benefit account variable investment options) and to limit the number of variable investment options which you may select. Such rights include, among others, removing or substituting the Portfolios, combining any two or more variable investment options and transferring account value from any variable investment option to another variable investment option.Credits under Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts may be recaptured upon free look, annuitization, and death.There are restrictions regarding investment options if Guaranteed benefits are elected, limits on contributions and transfers into and out of the guaranteed interest option, and restrictions or limitations with Special DCA programs. See “Allocating your contributions” in “Purchasing the Contract” and “Transferring your account value” in “Transferring your money among investment options” in the Prospectus for more information.For more information see “About The Separate Account” in “More information” in the ProspectusCurrently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for any transfers in excess of 12 per contract year. We will provide you with advance notice if we decide to assess the transfer charge, which will never exceed $35 per transfer.Contributions and transfers into and out of the guaranteed interest option are limited.For additional information about restrictions on the investment options, see “Transfer charge” in “Charges and expenses”, “Portfolio of the Trusts” and “Guaranteed Interest Option” in ”Purchasing the Contract” and “Transferring your money among investment options” in the Prospectus. <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> At any time, we have the right to limit or terminate your contributions, allocations and transfers to any of the variable investment options. If you have one or more Guaranteed benefits (which are also known as optional benefits) and we exercise our right to discontinue the acceptance of, and/or place additional limitations on, contributions to the contract and/or contributions and/ or transfers into the Protected Benefit account variable investment options, you may no longer be able to fund your Guaranteed benefit(s).Investment options are limited if Guaranteed benefits are elected. Withdrawals that exceed limits specified by the terms of an optional benefit may affect the availability of the benefit by reducing the benefit by an amount greater than the value withdrawn, and/or could terminate the benefit.The standard and optional death benefits offered with the contract are available only at contract purchase. Withdrawals could significantly reduce or terminate the death benefit.For additional information about the optional benefits see “How you can purchase and contribute to your contract” in ”Purchasing the Contract” in the Prospectus. See also “Death Benefits” and “Living Benefits” in “Benefits available under the contract” in the Prospectus. You should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the contract. There is no additional tax benefit to you if the contract is purchased through a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">tax-qualified</div> plan or individual retirement account (IRA). Withdrawals will be subject to ordinary income tax and may be subject to tax penalties. Generally, you are not taxed until you make a withdrawal from the contract.For additional information about tax implications see “Tax information” in the Prospectus. Some financial professionals may receive compensation for selling the contract to you, both in the form of commissions or in the form of contribution-based compensation. Financial professionals may also receive additional compensation for enhanced marketing opportunities and other services (commonly referred to as “marketing allowances”). This conflict of interest may influence the financial professional to recommend this contract over another investment.For additional information about compensation to financial professionals see “Distribution of the contracts” in “More information” in the Prospectus. Some financial professionals may have a financial incentive to offer a new contract in place of the one you already own. You should only exchange your contract if you determine, after comparing the features, fees, and risks of both contracts, as well as any fees or penalties to terminate your existing contract, that it is preferable to purchase the new contract rather than continue to own your existing contract.For additional information about exchanges see “Charge for third-party transfer or exchange” in “Charges and expenses” in the Prospectus. <div id="tx37249_4" style="margin-top:0pt; margin-bottom:0pt; font-size:17.5pt; font-family:arial">Fee Table </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The following tables describe the fees and expenses that you will pay when buying, owning, surrendering or making withdrawals from an investment option or from the contract. </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The first table describes fees and expenses that you will pay at the time that you buy the contract, surrender or make withdrawals from an investment option or the contract, or transfer account value between investment options. Charges designed to approximate certain taxes that may be imposed on us, such as premium taxes in your state, may also apply.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="7" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Transaction Expenses</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="text-decoration:underline;display:inline;">Series B</div></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="text-decoration:underline;display:inline;">Series CP</div></div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="text-decoration:underline;display:inline;">Series L</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Sales Load Imposed on Purchases (as a percentage of purchase payments)</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Withdrawal Charge (as a percentage of contributions withdrawn)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Transfer Fee<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Third Party Transfer or Exchange Fee<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(3)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Special Service Charges<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$90</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$90</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$90</td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates if you make a withdrawal, surrender your contract to receive its cash value, or, if offered, surrender your contract to apply your cash value to a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-life</div> contingent annuity payment option. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:92%;border-spacing:0;margin:0 auto"> <tr> <td style="width:69%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="38" style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">charge as a % of contribution for each year<br/>following contribution</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10+</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;">SeriesB</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">5</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">3</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">1</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;">SeriesCP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">8</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">8</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">5</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">4</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">3</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">2</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">1</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;">SeriesL</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">8</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">5</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for transfers in excess of 12 transfers per contract year. We will charge no more than $35 for each transfer at the time each transfer is processed. See “Transfer charge” under “Charges that the Company deducts” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Currently, we do not charge for third party transfers or exchanges. However, we reserve the right to discontinue this waiver at any time, with or without notice. The maximum third party transfer or exchange fee is $125. The current charge (which, as described above is waived) is $65. The sum of these charges will never exceed 2% of the amount disbursed or transferred. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Special service charges include (1) express mail charge; (2) wire transfer charge; (3) duplicate contract charge; and (4) check preparation charge. The current maximum charge for each service is $90. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. </div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The next table describes the fees and expenses that you will pay </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> during the time that you own the contract (not including Portfolio fees and expenses). If you choose to purchase an optional benefit, you will pay additional charges, as shown below. </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Annual Contract Expenses</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="text-decoration:underline;display:inline;">Series B</div></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="text-decoration:underline;display:inline;">Series CP</div></div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="text-decoration:underline;display:inline;">Series L</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Annual Administrative Expenses<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Base Contract Expenses (as a percentage of daily net assets in the variable investment options)</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.30%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.65%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.70%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;">Optional Benefits Expenses</div> (as a percentage of the benefit base)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)(3)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">Guaranteed minimum death benefit charges</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">Return of Principal death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">No<br/>additional<br/>charge</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">No<br/>additional<br/>charge</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">No<br/>additional<br/>charge</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">Highest Anniversary Value death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0.35%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0.35%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0.35%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">RMD Wealth Guard death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">“Greater of” death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">Guaranteed minimum income benefit charge</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(6)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(6)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(6)</div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The annual administrative charge is deducted from your account value on each contract date anniversary. If the contract is surrendered or annuitized or a death benefit is paid on any date other than the contract date anniversary, we will deduct a pro rata portion of the administrative charge for that year. If your account value on a contract date anniversary is $50,000 or more there is no charge. During the first two contract years this charge, if applicable, is equal to the lesser of $30 or 2% of your Total account value. Thereafter, the charge, if applicable, is $30 for each contract year. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The benefit base is not an account value or cash value. Your initial benefit base is equal to your initial contribution or transfer to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for transfers to the Protected Benefit account variable investment options. For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div> contracts, your initial benefit base does not include the credit. Subsequent adjustments to the applicable benefit base and the investment performance of the Protected Benefit account may result in a benefit base that is significantly different from your total contributions or future transfers to, or account value in, the Protected Benefit account. See “Guaranteed minimum death benefits” and “Guaranteed minimum income benefit” in “Benefits available under the contract”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">If the contract is surrendered or annuitized, or a death benefit is paid, or the benefit is dropped (if applicable), on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Maximum charge of 1.20% if you were <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">20-64</div> on the contract issue date and 2.00% if you were <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">65-68.</div> The current charge is equal to 0.60% (if you were age <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">20-64</div> on your contract date) or 1.00% (if you were age <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">65-68</div> on your contract date) of the RMD Wealth Guard death benefit base in effect each contract date anniversary. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “RMD Wealth Guard death benefit” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(5)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.15%. We reserve the right to increase or decrease this charge at any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” and “Greater of death benefit” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(6)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.15% of the GMIB benefit base in effect on each contract date anniversary. If you have this benefit, but do not fund it until after your contract date anniversary, we will deduct the full charge on the contract date anniversary following the date on which you fund the benefit. We reserve the right to increase the charge for this benefit up to a maximum of 2.30%. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The next item shows the minimum and maximum total operating expenses charged by the underlying Portfolios that you may pay periodically during the time that you own the contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of Portfolios available under the contract, including their annual expenses, may be found at the back of this document. See Appendix “Investment options available under the contract.”</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;"><div style="display:inline;">Annual Portfolio Expenses</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="text-decoration:underline;display:inline;">Minimum</div></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="text-decoration:underline;display:inline;">Maximum</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="display:inline;">Annual Portfolio Expenses prior to Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(*)</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="display:inline;">0.54%</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="display:inline;">3.48%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Annual Portfolio Expenses after Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(*)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.53%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">3.29%</div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(*)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">“Annual Portfolio Expenses” are based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025. Pursuant to a contract, Equitable Investment Management Group, LLC has agreed to make payments or waive its management, administrative and other fees to limit the expenses of certain affiliated Portfolios through April 30, 2027 (“Expense Limitation Arrangement”) (unless the Trust’s Board of Trustees consents to an earlier revision or termination of this agreement). The Expense Limitation Arrangement may be terminated by Equitable Investment Management Group, LLC at any time after April 30, 2027. The Expense Limitation Arrangement does not apply to unaffiliated Portfolios. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Examples </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples are intended to help you compare the cost of investing in the variable investment options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume that you invest $100,000 in the variable investment options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Portfolio expenses, as well as the “Greater of” death benefit and GMIB (both at their maximum charge).</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:31%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:5%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you surrender your contract or annuitize<br/><div style="white-space:nowrap;display:inline;">(under a non-life option) at the end of the applicable time period</div></div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you do not surrender your contract</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesB</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">48,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">25,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">43,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesCP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesL</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">50,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The following tables describe the fees and expenses that you will pay when buying, owning, surrendering or making withdrawals from an investment option or from the contract. </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The first table describes fees and expenses that you will pay at the time that you buy the contract, surrender or make withdrawals from an investment option or the contract, or transfer account value between investment options. Charges designed to approximate certain taxes that may be imposed on us, such as premium taxes in your state, may also apply.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="7" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Transaction Expenses</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="text-decoration:underline;display:inline;">Series B</div></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="text-decoration:underline;display:inline;">Series CP</div></div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="text-decoration:underline;display:inline;">Series L</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Sales Load Imposed on Purchases (as a percentage of purchase payments)</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Withdrawal Charge (as a percentage of contributions withdrawn)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Transfer Fee<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Third Party Transfer or Exchange Fee<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(3)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Special Service Charges<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$90</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$90</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$90</td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates if you make a withdrawal, surrender your contract to receive its cash value, or, if offered, surrender your contract to apply your cash value to a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-life</div> contingent annuity payment option. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:92%;border-spacing:0;margin:0 auto"> <tr> <td style="width:69%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="38" style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">charge as a % of contribution for each year<br/>following contribution</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10+</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;">SeriesB</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">5</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">3</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">1</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;">SeriesCP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">8</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">8</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">5</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">4</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">3</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">2</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">1</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;">SeriesL</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">8</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">5</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for transfers in excess of 12 transfers per contract year. We will charge no more than $35 for each transfer at the time each transfer is processed. See “Transfer charge” under “Charges that the Company deducts” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Currently, we do not charge for third party transfers or exchanges. However, we reserve the right to discontinue this waiver at any time, with or without notice. The maximum third party transfer or exchange fee is $125. The current charge (which, as described above is waived) is $65. The sum of these charges will never exceed 2% of the amount disbursed or transferred. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Special service charges include (1) express mail charge; (2) wire transfer charge; (3) duplicate contract charge; and (4) check preparation charge. The current maximum charge for each service is $90. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. </div></td></tr></table> 0 0 0 0.07 0.08 0.08 35 35 35 125 125 125 90 90 90 <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates if you make a withdrawal, surrender your contract to receive its cash value, or, if offered, surrender your contract to apply your cash value to a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-life</div> contingent annuity payment option. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:92%;border-spacing:0;margin:0 auto"> <tr> <td style="width:69%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="38" style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">charge as a % of contribution for each year<br/>following contribution</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10+</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;">SeriesB</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">5</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">3</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">1</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;">SeriesCP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">8</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">8</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">5</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">4</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">3</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">2</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">1</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;">SeriesL</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">8</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">5</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">0</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom">% </td></tr></table> Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for transfers in excess of 12 transfers per contract year. We will charge no more than $35 for each transfer at the time each transfer is processed. See “Transfer charge” under “Charges that the Company deducts” in “Charges and expenses”. Currently, we do not charge for third party transfers or exchanges. However, we reserve the right to discontinue this waiver at any time, with or without notice. The maximum third party transfer or exchange fee is $125. The current charge (which, as described above is waived) is $65. The sum of these charges will never exceed 2% of the amount disbursed or transferred. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. Special service charges include (1) express mail charge; (2) wire transfer charge; (3) duplicate contract charge; and (4) check preparation charge. The current maximum charge for each service is $90. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The next table describes the fees and expenses that you will pay </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> during the time that you own the contract (not including Portfolio fees and expenses). If you choose to purchase an optional benefit, you will pay additional charges, as shown below. </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Annual Contract Expenses</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="text-decoration:underline;display:inline;">Series B</div></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="text-decoration:underline;display:inline;">Series CP</div></div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="text-decoration:underline;display:inline;">Series L</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Annual Administrative Expenses<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Base Contract Expenses (as a percentage of daily net assets in the variable investment options)</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.30%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.65%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.70%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;">Optional Benefits Expenses</div> (as a percentage of the benefit base)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)(3)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">Guaranteed minimum death benefit charges</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">Return of Principal death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">No<br/>additional<br/>charge</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">No<br/>additional<br/>charge</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">No<br/>additional<br/>charge</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">Highest Anniversary Value death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0.35%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0.35%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0.35%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">RMD Wealth Guard death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">“Greater of” death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">Guaranteed minimum income benefit charge</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(6)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(6)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(6)</div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The annual administrative charge is deducted from your account value on each contract date anniversary. If the contract is surrendered or annuitized or a death benefit is paid on any date other than the contract date anniversary, we will deduct a pro rata portion of the administrative charge for that year. If your account value on a contract date anniversary is $50,000 or more there is no charge. During the first two contract years this charge, if applicable, is equal to the lesser of $30 or 2% of your Total account value. Thereafter, the charge, if applicable, is $30 for each contract year. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The benefit base is not an account value or cash value. Your initial benefit base is equal to your initial contribution or transfer to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for transfers to the Protected Benefit account variable investment options. For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div> contracts, your initial benefit base does not include the credit. Subsequent adjustments to the applicable benefit base and the investment performance of the Protected Benefit account may result in a benefit base that is significantly different from your total contributions or future transfers to, or account value in, the Protected Benefit account. See “Guaranteed minimum death benefits” and “Guaranteed minimum income benefit” in “Benefits available under the contract”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">If the contract is surrendered or annuitized, or a death benefit is paid, or the benefit is dropped (if applicable), on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Maximum charge of 1.20% if you were <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">20-64</div> on the contract issue date and 2.00% if you were <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">65-68.</div> The current charge is equal to 0.60% (if you were age <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">20-64</div> on your contract date) or 1.00% (if you were age <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">65-68</div> on your contract date) of the RMD Wealth Guard death benefit base in effect each contract date anniversary. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “RMD Wealth Guard death benefit” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(5)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.15%. We reserve the right to increase or decrease this charge at any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” and “Greater of death benefit” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(6)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.15% of the GMIB benefit base in effect on each contract date anniversary. If you have this benefit, but do not fund it until after your contract date anniversary, we will deduct the full charge on the contract date anniversary following the date on which you fund the benefit. We reserve the right to increase the charge for this benefit up to a maximum of 2.30%. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” in “Charges and expenses”. </div></td></tr></table> 30 30 30 0.013 0.0165 0.017 0 0 0 0.0035 0.0035 0.0035 0.02 0.02 0.02 0.023 0.023 0.023 0.023 0.023 0.023 The annual administrative charge is deducted from your account value on each contract date anniversary. If the contract is surrendered or annuitized or a death benefit is paid on any date other than the contract date anniversary, we will deduct a pro rata portion of the administrative charge for that year. If your account value on a contract date anniversary is $50,000 or more there is no charge. During the first two contract years this charge, if applicable, is equal to the lesser of $30 or 2% of your Total account value. Thereafter, the charge, if applicable, is $30 for each contract year. <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The benefit base is not an account value or cash value. Your initial benefit base is equal to your initial contribution or transfer to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for transfers to the Protected Benefit account variable investment options. For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div> contracts, your initial benefit base does not include the credit. Subsequent adjustments to the applicable benefit base and the investment performance of the Protected Benefit account may result in a benefit base that is significantly different from your total contributions or future transfers to, or account value in, the Protected Benefit account. See “Guaranteed minimum death benefits” and “Guaranteed minimum income benefit” in “Benefits available under the contract”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">If the contract is surrendered or annuitized, or a death benefit is paid, or the benefit is dropped (if applicable), on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Maximum charge of 1.20% if you were <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">20-64</div> on the contract issue date and 2.00% if you were <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">65-68.</div> The current charge is equal to 0.60% (if you were age <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">20-64</div> on your contract date) or 1.00% (if you were age <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">65-68</div> on your contract date) of the RMD Wealth Guard death benefit base in effect each contract date anniversary. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “RMD Wealth Guard death benefit” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(5)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.15%. We reserve the right to increase or decrease this charge at any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” and “Greater of death benefit” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(6)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.15% of the GMIB benefit base in effect on each contract date anniversary. If you have this benefit, but do not fund it until after your contract date anniversary, we will deduct the full charge on the contract date anniversary following the date on which you fund the benefit. We reserve the right to increase the charge for this benefit up to a maximum of 2.30%. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” in “Charges and expenses”. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The next item shows the minimum and maximum total operating expenses charged by the underlying Portfolios that you may pay periodically during the time that you own the contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of Portfolios available under the contract, including their annual expenses, may be found at the back of this document. See Appendix “Investment options available under the contract.”</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;"><div style="display:inline;">Annual Portfolio Expenses</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="text-decoration:underline;display:inline;">Minimum</div></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="text-decoration:underline;display:inline;">Maximum</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="display:inline;">Annual Portfolio Expenses prior to Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(*)</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="display:inline;">0.54%</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="display:inline;">3.48%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Annual Portfolio Expenses after Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(*)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.53%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">3.29%</div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(*)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">“Annual Portfolio Expenses” are based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025. Pursuant to a contract, Equitable Investment Management Group, LLC has agreed to make payments or waive its management, administrative and other fees to limit the expenses of certain affiliated Portfolios through April 30, 2027 (“Expense Limitation Arrangement”) (unless the Trust’s Board of Trustees consents to an earlier revision or termination of this agreement). The Expense Limitation Arrangement may be terminated by Equitable Investment Management Group, LLC at any time after April 30, 2027. The Expense Limitation Arrangement does not apply to unaffiliated Portfolios. </div></div></td></tr></table> Annual Portfolio Expenses prior to Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses) 0.0054 0.0348 Annual Portfolio Expenses after Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses) 0.0053 0.0329 “Annual Portfolio Expenses” are based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025. Pursuant to a contract, Equitable Investment Management Group, LLC has agreed to make payments or waive its management, administrative and other fees to limit the expenses of certain affiliated Portfolios through April 30, 2027 (“Expense Limitation Arrangement”) (unless the Trust’s Board of Trustees consents to an earlier revision or termination of this agreement). The Expense Limitation Arrangement may be terminated by Equitable Investment Management Group, LLC at any time after April 30, 2027. The Expense Limitation Arrangement does not apply to unaffiliated Portfolios. <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Examples </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples are intended to help you compare the cost of investing in the variable investment options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume that you invest $100,000 in the variable investment options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Portfolio expenses, as well as the “Greater of” death benefit and GMIB (both at their maximum charge).</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:31%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:5%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you surrender your contract or annuitize<br/><div style="white-space:nowrap;display:inline;">(under a non-life option) at the end of the applicable time period</div></div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you do not surrender your contract</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesB</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">48,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">25,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">43,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesCP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesL</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">50,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Examples </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples are intended to help you compare the cost of investing in the variable investment options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume that you invest $100,000 in the variable investment options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Portfolio expenses, as well as the “Greater of” death benefit and GMIB (both at their maximum charge).</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:31%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:5%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you surrender your contract or annuitize<br/><div style="white-space:nowrap;display:inline;">(under a non-life option) at the end of the applicable time period</div></div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you do not surrender your contract</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesB</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">48,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">25,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">43,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesCP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesL</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">50,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Examples </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples are intended to help you compare the cost of investing in the variable investment options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume that you invest $100,000 in the variable investment options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Portfolio expenses, as well as the “Greater of” death benefit and GMIB (both at their maximum charge).</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:31%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="vertical-align:bottom;width:5%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you surrender your contract or annuitize<br/><div style="white-space:nowrap;display:inline;">(under a non-life option) at the end of the applicable time period</div></div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you do not surrender your contract</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesB</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">48,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">25,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">43,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesCP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesL</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">50,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> 15076 15076 31151 31151 48581 48581 96756 96756 8076 25151 43581 96756 16496 16496 32326 32326 45387 45387 99484 99484 8496 26326 45387 99484 16548 16548 33498 33498 50700 50700 100268 100268 8548 26498 45700 100268 <div id="tx37249_18" style="margin-top:0pt; margin-bottom:0pt; font-size:17.5pt; font-family:arial"><div style="font-weight:bold;display:inline;">2.</div> Benefits available under the contract </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:42pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx37249_19" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Summary of Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following tables summarize important information about the benefits available under the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Death Benefits</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These death benefits are available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:9pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td> <td style="vertical-align:bottom"></td> <td style="width:6%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:32%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Name of Benefit</div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Purpose</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Standard/</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Optional</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Annual Fee</div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Brief Description of Restrictions/Limitations</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Max</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Current</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Return of Principal Death Benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees beneficiaries will receive a benefit at least equal to your contributions less adjusted withdrawals.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Standard</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Additional<br/> <div style="margin-bottom:1pt; margin-top:0pt; font-size:9pt; font-family:arial;text-align:center">Charge</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Highest Anniversary Value Death Benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Locks in highest adjusted anniversary account value as minimum death benefit.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">0.35%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the RMD Wealth Guard Death Benefit, or the “Greater of” Death Benefit</div></div></div></td></tr> <tr style="font-size:1pt"> <td style="BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="height:1.5pt"></td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="height:1.5pt"></td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">RMD Wealth Guard Death Benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Allows required minimum distributions without reducing the benefit base.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">1.20%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)(2)</div><br/> <div style="margin-bottom:1pt; margin-top:0pt; font-size:9pt; font-family:arial;text-align:center">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)(3)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">0.60%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)(2)</div><br/>1.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)(3)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.166667em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.166667em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the Highest Anniversary Value Death Benefit, or the “Greater of” Death Benefit</div></div></div></td></tr> <tr style="font-size:1pt"> <td style="BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="height:1.5pt"></td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="height:1.5pt"></td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">“Greater of” Death Benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees the beneficiaries will receive at least the greater of the Roll-up benefit base and the Highest Anniversary Value benefit base.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">1.15%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.166667em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the Highest Anniversary Value Death Benefit, or the RMD Wealth Guard Death Benefit</div></div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Expressed as an annual percentage of the benefit base. </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Issue ages 20-64. </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Issue ages 65-68. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Living Benefit</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">This living benefit is available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:34%"></td> <td style="vertical-align:bottom"></td> <td style="width:6%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Name of Benefit</div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Purpose</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Standard/</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Optional</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Annual Fee</div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Brief Description of Restrictions/<br/>Limitations</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Max</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Current</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Guaranteed minimum income benefit (GMIB)</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees a minimum annuitization value to provide lifetime retirement income.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">1.15%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Cannot be elected with the RMD Wealth Guard Death Benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.166667em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Expressed as an annual percentage of the benefit base. </div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Other Benefits</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These other benefits are available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:9pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:37%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:6%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:35%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Name of Benefit</div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Purpose</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Standard/</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Optional</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Annual Fee</div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Brief Description of Restrictions/<br/>Limitations</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Max</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Current</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial">Rebalancing</div><div style="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; font-size:9pt; font-family:arial">Option I<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div> and Option II<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(2)</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Periodically rebalance to your desired asset mix</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Charge</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with DCA</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Account value in the Protected Benefit account cannot be rebalanced</div></div></div></td></tr> <tr style="font-size:1pt"> <td style="BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="height:1.5pt"></td> <td colspan="4" style="BORDER-LEFT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial">Dollar Cost</div><div style="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; font-size:9pt; font-family:arial">Averaging (special DCA, general DCA, and Investment Simplifier)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Transfer account value to selected investment options on a regular basis to potentially reduce the impact of market volatility.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Charge</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with Rebalancing</div></div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Option I allows you to rebalance your Investment account value among the Investment account variable investment options. </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Option II allows you to rebalance your Investment account value among the Investment account variable investment options and the guaranteed interest option. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx37249_20" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Death benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;"></div><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">About Death Benefits</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-weight:bold;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For the purposes of determining the death benefit under your Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract, we treat your Investment account and any Guaranteed minimum death benefit funded by your Protected Benefit account differently. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The death benefit in connection with your Investment account is equal to your Investment account value as of the date we receive satisfactory proof of death, any required instructions for the method of payment, and any required information and forms necessary to effect payment. The death benefit payable in connection with your Protected Benefit account will be based on the greater of (i) your Protected Benefit account value, and (ii) the benefit base of your Guaranteed minimum death benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The total death benefit under your Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract will depend on your values in either one or both sides of the contract. If you selected a Guaranteed minimum death benefit but never funded your Protected Benefit account, your death benefit will be based on your Investment account value only. Likewise, if you funded your Guaranteed minimum death benefit through allocations to the Protected Benefit account and had no Investment account value, your death benefit would be based strictly on the Guaranteed minimum death benefit you selected. Also, it is possible that upon your death, you have value in both your Investment account and a Guaranteed minimum death benefit that has been funded through allocations to the Protected Benefit account. In that case, your beneficiaries would receive the Investment account value, plus the value of your Guaranteed minimum death benefit. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx37249_21" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Guaranteed minimum death benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">At issue, you may elect one of our optional Guaranteed minimum death benefit options (GMDBs) in connection with your Protected Benefit account as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:38%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:30%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Guaranteed Minimum<br/>Death Benefit</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Series B and L,<br/>Contracts</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Series CP<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div><br/>Contracts</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Return of Principal death benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000;vertical-align:top;white-space:nowrap"><div style="margin-top:0pt;margin-bottom:0pt"> </div><div style="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:arial;text-align:center">Issue Ages 0-80</div></td> <td style="vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; padding-right:2pt;vertical-align:top;white-space:nowrap"><div style="margin-top:0pt;margin-bottom:0pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial;text-align:center">Issue Ages 0-70</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Highest Anniversary Value death benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="font-size:x-small;display:inline;"> </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="font-size:x-small;display:inline;"> </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:38%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:30%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Guaranteed Minimum<br/>Death Benefit</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Series B and L,<br/>Contracts</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Series CP<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div><br/>Contracts</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">RMD Wealth Guard death benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;white-space:nowrap"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt"> </div><div style="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:arial;text-align:center"><div style="white-space:nowrap;display:inline;">Issue Ages 20-68</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;white-space:nowrap"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial;text-align:center"><div style="white-space:nowrap;display:inline;">Issue Ages 20-68</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">The “Greater of” death benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;white-space:nowrap"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt"> </div><div style="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:arial;text-align:center"><div style="white-space:nowrap;display:inline;">Issue Ages 20-65</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;white-space:nowrap"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial;text-align:center">Issue Ages 20-65</div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The “Greater of” death benefit can only be elected in combination with the GMIB. The RMD Wealth Guard death benefit cannot be elected in combination with the GMIB. The Return of Principal death benefit and the Highest Anniversary Value death benefit are available with or without the GMIB. The Highest Anniversary Value death benefit, the RMD Wealth Guard death benefit and the “Greater of” death benefit are available at an additional charge. There is no charge for the Return of Principal death benefit. The Return of Principal death benefit will be issued with all eligible contracts if you do not elect either the Highest Anniversary Value, the RMD Wealth Guard death benefit or the “Greater of” death benefit at the time you apply for your Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract. If you elect a GMDB, the period during which you can make subsequent contributions may be significantly shorter than if you did not elect a GMDB. Please refer to Appendix “Rules regarding contributions to your contract”. Once a withdrawal is taken from the Protected Benefit account, additional contributions may not be made to the Protected Benefit account. Please refer to “Accessing your money”. Transfers to and from the Protected Benefit account may be restricted. Please refer to “Transferring your money among investment options”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Any GMDB you elect will automatically terminate upon annuitization, which will occur no later than the maturity date stated in your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When you have a GMDB, you can allocate your contributions to any of the following: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Protected Benefit account variable investment options; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Investment account variable investment options; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Guaranteed interest option; </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The account for special dollar cost averaging (Series B and L contracts only); and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The account for special money market dollar cost averaging (Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts only). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Funding your GMDB.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> Only amounts you allocate to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for the Protected Benefit account variable investment options will fund your GMDB. These amounts will be included in your GMDB benefit base and will become part of your Protected Benefit account value. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, any credit or Earnings bonus amounts attributable to your Protected Benefit account are not included in your GMDB benefit base. If you decide to transfer amounts from your Investment account to your Protected Benefit account variable investment options, only amounts representing contributions and earnings will increase your GMDB benefit base. Credit or Earnings bonus amounts to your Investment account are always considered transferred first, though any amount of that transfer that represents a credit or Earnings bonus will be excluded from your GMDB benefit base. All transfers, however, will increase your Protected Benefit account value by the amount of the transfer. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your death benefit in connection with your Protected Benefit account is equal to one of the following — whichever provides a higher amount: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your Protected Benefit account value as of the date we receive satisfactory proof of the owner’s (or older joint owner’s, if applicable) death, any required instructions for the method of payment, and any required information and forms necessary to effect payment; or </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your applicable GMDB benefit base (discussed below) on the date of the owner’s (or older joint owner’s, if applicable) death, adjusted for subsequent withdrawals (and any withdrawal charges). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For a description of how the ATP exit option will impact your GMDB benefit bases, see ‘‘ATP exit option’’. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Return of Principal death benefit </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Return of Principal death benefit, like all of the guaranteed minimum death benefits, only applies to amounts you allocate to the Protected Benefit account variable investment options and not to the contract as a whole. There is no additional charge for this benefit. Your Return of Principal Guaranteed minimum death benefit is equal to your Return of Principal death benefit base. This benefit base is not an account value or cash value. It is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts contributed to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts transferred to the Protected Benefit account variable investment options; less </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects any withdrawals you make from the Protected Benefit account variable investment options or from amounts in a Special DCA program designated for the Protected Benefit account variable investment options (including any withdrawal charges). The amount of this deduction is described under “How withdrawals affect your Guaranteed benefits”. The amount of any withdrawal charge is described under “Withdrawal charge” in “Charges and expenses”. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix “Guaranteed benefit base examples” for an example of how the Return of Principal benefit base is calculated. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Highest Anniversary Value death benefit </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Highest Anniversary Value Guaranteed minimum death benefit is equal to your Highest Anniversary Value benefit base. The current charge for this benefit is 0.35%. This benefit base is not an account value or cash value. The calculation of your Highest Anniversary Value benefit base will depend on whether you have taken a withdrawal from your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you have not taken a withdrawal from your Protected Benefit account, your Highest Anniversary Value benefit base is equal to one of the following — whichever provides a higher amount: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts contributed to a Special DCA that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts transferred to the Protected Benefit account variable investment options. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold;text-align:center"><div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">-OR-</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your highest Protected Benefit account value on any contract date anniversary up to the contract date anniversary following the owner’s (or older joint owner’s, if applicable) 85th birthday (plus any transfers to the Protected Benefit account variable investment options and contributions either directly or through a Special DCA program designated for the Protected Benefit account variable investment options, made since the most recent “reset” of the Highest Anniversary Value benefit base that established your Protected Benefit account value as your new Highest Anniversary Value benefit base). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you take a withdrawal from your Protected Benefit account and you elected the GMIB, your Highest Anniversary Value benefit base will be reduced on a dollar-for-dollar basis by withdrawals up to the Annual withdrawal amount, and on a pro rata basis by Excess withdrawals (including any applicable withdrawal charges).<div style="font-weight:bold;display:inline;"> Note that any</div><div style="font-weight:bold;display:inline;"> withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. If you take a withdrawal from your Protected Benefit account and you did not elect the GMIB, your Highest Anniversary Value benefit base will </div></div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">be reduced on a pro rata basis (including any applicable withdrawal charges). Reduction on a pro rata basis means that we calculate the percentage of your Protected Benefit account value that is being withdrawn and we reduce your Highest Anniversary Value benefit base by the same percentage. See “How withdrawals affect your Guaranteed benefits”. The amount of any withdrawal charge is described under “Withdrawal charge” in “Charges and expenses”.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">At any time after a withdrawal, your Highest Anniversary Value benefit base is equal to one of the following — whichever provides a higher amount: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your Highest Anniversary Value benefit base immediately following the most recent withdrawal (plus any transfers to the Protected Benefit account variable investment options made since the most recent “reset” of the Highest Anniversary Value benefit base that established your Protected Benefit account value as your new Highest Anniversary Value benefit base). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold;text-align:center"><div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">-OR-</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your highest Protected Benefit account value on any contract date anniversary after the withdrawal up to the contract date anniversary following the owner’s (or older joint owner’s, if applicable) 85th birthday (plus any transfers to the Protected Benefit account variable investment options and contributions to a Special DCA program designated for the Protected Benefit account variable investment options, made since the most recent “reset” of the Highest Anniversary Value benefit base that established your Protected Benefit account value as your new Highest Anniversary Value benefit base). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, on your contract date anniversary any credit or Earnings bonus amounts that are part of your Protected Benefit account value are included in the calculation of the “reset” to your Highest Anniversary Value benefit base. Please note, however, that credit amounts are not part of the Highest Anniversary Value benefit base until a reset occurs. If you are eligible for an Earnings bonus on your contract date anniversary, the amount of the Earnings bonus will be credited to your Total account value after any reset is calculated. If a reset occurs, your Guaranteed benefit base(s) will not be increased by amounts associated with the Earnings bonus on that contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix “Guaranteed benefit base examples” for an example of how the Highest Anniversary Value benefit base is calculated. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">RMD Wealth Guard death benefit </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">(For traditional IRA, SEP and QPDC contracts only) </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The RMD Wealth Guard death benefit is an optional guaranteed minimum death benefit. The current charge for this benefit is 0.60% (issue ages 20-64) and 1.00% (issue ages 65-68). Your initial RMD Wealth Guard death benefit base is valued based on your initial contributions and any transfers to the Protected Benefit account. Thereafter RMD Wealth Guard death benefit base is increased by any allocations and transfers to the Protected Benefit account, which is described below. Withdrawals from the Protected Benefit account, other than Excess RMD withdrawals, will not reduce your RMD Wealth </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Guard death benefit base. This death benefit also provides a refund feature in the event the Protected Benefit account falls to zero before the owner reaches age 95. There is an additional charge for this death benefit under the contract. The RMD Wealth Guard death benefit is not available if you elected the GMIB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">An RMD withdrawal is a withdrawal that is intended to satisfy the lifetime required minimum distributions from certain tax-favored plans and arrangements such as traditional IRAs under federal income tax rules. See “Required minimum distributions” in the “Tax information” section of the Prospectus for more information. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The RMD Wealth Guard death benefit base is not an account value or cash value. It is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts contributed to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts transferred to the Protected Benefit account variable investment options; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects any Excess RMD withdrawals from the Protected Benefit account, or from amounts in a Special DCA program designated for the Protected Benefit account variable investment options (including any withdrawal charges). The amount of this deduction is described below. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The RMD Wealth Guard death benefit base will be recalculated on each transaction date upon the occurrence of each contribution, transfer or deduction. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">For contracts with the RMD Wealth Guard death benefit, an “Excess RMD withdrawal” is:</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-style:italic;display:inline;">the full amount of any withdrawal from your Protected Benefit Account taken before the calendar year in which you turn age 70½;</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-style:italic;display:inline;">the full amount of any withdrawal from your Protected Benefit Account taken during your first contract year, even if you turn age 70½ during that year; or</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-style:italic;display:inline;">the portion of a withdrawal from your Protected Benefit account that exceeds your RMD Wealth Guard withdrawal amount for the calendar year.</div> </td></tr></table><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Excess RMD withdrawals will reduce your RMD Wealth Guard death benefit base on a pro rata basis. Reduction on a pro rata basis means that we calculate the percentage of your Protected Benefit account value that is being withdrawn and we reduce your RMD Wealth Guard death benefit base by the same percentage. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Resets.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> On each contract date anniversary up to the earlier of (i) the contract date anniversary following your first RMD withdrawal from the Protected Benefit account, and (ii) the contract date anniversary following your 85th birthday, if the Protected Benefit account value is greater than the current </div></div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">RMD Wealth Guard death benefit base, the RMD Wealth Guard death benefit base will automatically reset to equal the Protected Benefit account value. Withdrawals from the Protected Benefit account up to your RMD Wealth Guard withdrawal amount will not reduce your RMD Wealth Guard death benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, any credit or Earnings bonus amounts added to your Protected Benefit account, including credit or Earnings bonus amounts transferred from your Investment account, will be included in your Protected Benefit account value when determining your RMD Wealth Guard death benefit base reset. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Calculating your RMD Wealth Guard withdrawal amount.</div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> Your RMD Wealth Guard withdrawal amount will be calculated based on the account value in your Protected Benefit account variable investment options as of December 31st in the calendar year you turn age 70½ and calculated each calendar year thereafter as of December 31st<div style="display:inline;"><div style="font-weight:bolder;display:inline;">.</div></div> This calculation includes the actuarial present value of your RMD Wealth Guard death benefit. This is because certain provisions of the Treasury Regulations require that the actuarial present value of additional annuity contract benefits, such as guaranteed benefits like the RMD Wealth Guard death benefits, be added to the account value for purposes of calculating account-based annual required minimum distributions from individual retirement annuity contracts. See “Required minimum distributions” in the “Tax information” section of the Prospectus for more information. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your RMD Wealth Guard withdrawal amount will be determined using the RMD rules and life expectancy and distribution tables in effect on December 31, 2014. In the event that tax reform measures change those RMD requirements, unless we agree otherwise, we will not allow your RMD Wealth Guard withdrawal amount to be greater than the RMD Wealth Guard withdrawal amount calculated using the IRS RMD rules that were in effect on December 31, 2014. As a result of us reserving this right, in the event that future IRS rule changes require you to take RMD withdrawals that are greater than the RMD amount calculated using the IRS RMD rules that were in effect on December 31, 2014 and we do not agree to this change, you would have to satisfy your RMD requirements from other retirement sources or, if you do not have other retirement sources, you would have to take an additional RMD withdrawal amount from this contract, which would be treated an Excess RMD withdrawal. That Excess RMD withdrawal would reduce your RMD Wealth Guard death benefit base on a pro rata basis. Please refer to the section “How withdrawals effect your Guaranteed benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note that your RMD Wealth Guard withdrawal amount will be zero: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">in each year prior to the calendar year in which you turn age 70½; and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">during your first contract year, even if you turn age 70½ during that year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Withdrawals prior to age 70½ or during your first contract year.</div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> Withdrawals from your Protected Benefit account prior to the calendar year in which you turn age 70½ are treated as Excess RMD withdrawals and reduce your RMD Wealth </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Guard death benefit base on a pro rata basis (including any applicable withdrawal charges). Withdrawals from your Protected Benefit account prior to your first contract date anniversary will also reduce your RMD Wealth Guard death benefit base on a pro rata basis (including any applicable withdrawal charges) even if you turn age 70½ during that calendar year. Reduction on a pro rata basis means that we calculate the percentage of your Protected Benefit account value that is being withdrawn and we reduce your RMD Wealth Guard death benefit base by the same percentage. <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">This pro rata reduction to the RMD Wealth Guard death benefit base could be greater than the dollar amount of the withdrawal and could significantly reduce or eliminate the value of the RMD Wealth Guard death benefit.</div></div> For an example of how a pro rata reduction works, see Appendix “Examples of how withdrawals affect your Guaranteed benefit bases”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals from the Protected Benefit account: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">prior to the calendar year in which you turn age 70½; or </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">during your first contract year, even if you turn age 70½ during the calendar year in which your first contract date anniversary falls will not stop your RMD Wealth Guard death benefit base from resetting. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">As discussed in “Resets” above, the last reset of the RMD Wealth Guard death benefit base will be the earlier of the contract date anniversary following your first RMD withdrawal from the Protected Benefit account or the contract date anniversary following your 85th birthday. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Withdrawals at or after age 70½.</div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> After your first contract date anniversary, withdrawals made from your Protected Benefit account beginning with the calendar year in which you turn age 70½ will be treated as RMD Wealth Guard withdrawals and will count towards your RMD Wealth Guard withdrawal amount. Withdrawals from the Protected Benefit account up to your RMD Wealth Guard withdrawal amount will not reduce your RMD Wealth Guard death benefit base. The portion of a withdrawal from your Protected Benefit account that exceeds your RMD Wealth Guard withdrawal amount for the calendar year will be treated as an Excess RMD withdrawal. An Excess RMD withdrawal will reduce your RMD Wealth Guard death benefit base on a pro rata basis. <div style="display:inline;"><div style="font-weight:bolder;display:inline;">A</div></div> <div style="display:inline;"><div style="font-weight:bolder;display:inline;">pro rata reduction to your RMD Wealth Guard death benefit base could be greater than the dollar amount of the withdrawal and could significantly reduce or eliminate the value of your RMD Wealth Guard death benefit.</div></div> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note that any withdrawals from your Protected Benefit account, including withdrawals taken up to the RMD Wealth Guard withdrawal amount, will reduce your Protected Benefit account value. Withdrawal charges are waived for RMD Wealth Guard withdrawals, but will count towards the free withdrawal limit. These withdrawals are subject to tax. See “Free withdrawal amount” in “Charges and expenses”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elect the RMD Wealth Guard withdrawal service, you can elect to take RMD withdrawals from your Protected Benefit account value and Investment account value. If you </div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">elect to use our RMD Wealth Guard withdrawal service or our Automatic RMD withdrawal service, you will receive the required amount of RMD payments calculated for your contract for that calendar year. At the time you elect to receive RMD withdrawals, any prior RMD payments due for that calendar year will be paid as a catch-up payment. The catch-up payment is made immediately when the RMD Wealth Guard withdrawal service enrollment is processed. Thereafter, RMD payments will begin on the date and at the frequency you elect. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example, in the calendar year that you turn age 70½, if you enroll in our RMD Wealth Guard withdrawal service in July of that year and requested to receive monthly RMD payments, you would receive the catch-up payment due for January through June in a lump sum on the date the enrollment is processed and the July RMD monthly payment on the date that you specified on the RMD Wealth Guard withdrawal service Form. If you take additional withdrawals from the Protected Benefit account while you are currently taking RMD payments under our RMD Wealth Guard withdrawal service, those RMD payments from the Protected Benefit account will be reduced by those withdrawals. If you delay your first RMD withdrawal until after the calendar year you turn age 70½, but no later than April 1st of the following calendar year, we will pay you a catch-up payment at the time you elected to receive RMD withdrawals, which will include any prior RMD payments due for that calendar year plus the entire RMD amount due from the prior year. The catch-up payment is made immediately when the RMD Wealth Guard withdrawal service enrollment is processed. Thereafter, RMD payments will begin on the date and at the frequency you elect. In that event, your RMD Wealth Guard death benefit base would not reset after your first RMD withdrawal. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For more information about the RMD Wealth Guard withdrawal service, please refer to “RMDs for Traditional IRA and SEP IRA contracts with the RMD Wealth Guard death benefit” in “Accessing your money”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you take withdrawals from your Protected Benefit account during a calendar year in which you are receiving RMD payments under our Automatic RMD service or our RMD Wealth Guard withdrawal service, once the total amount of your withdrawals in that calendar year reach your RMD Wealth Guard withdrawal amount, your RMD Wealth Guard withdrawals will be suspended until the next calendar year. Additional withdrawals from the Investment account value will not suspend RMD Wealth Guard withdrawals under our Automatic RMD service or our RMD Wealth Guard withdrawal service. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For additional examples of how withdrawals affect your RMD Wealth Guard death benefit base, see Appendix “Examples of how withdrawals affect your Guaranteed benefit bases”. For information on how RMD payments affect your RMD Wealth Guard death benefit, see “RMDs for Traditional IRA and SEP IRA contracts with the RMD Wealth Guard death benefit” in “Accessing your money”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The RMD Wealth Guard withdrawal service is not available under QPDC contracts. If you elect the RMD Wealth Guard death benefit for a QPDC contract, all withdrawals from your </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Protected Benefit account will reduce the RMD Wealth Guard death benefit base on a pro rata basis and will be subject to any applicable withdrawal charges until the QPDC contract is converted to an IRA. After you convert the QPDC contract to an IRA contract you can elect the RMD Wealth Guard withdrawal service. A qualified plan participant, upon separation from service, may directly roll-over an eligible rollover distribution from the plan by converting the QPDC contract into an otherwise identical IRA contract which retains the RMD Wealth Guard death benefit. In that case, the RMDs can be taken without reducing the RMD Wealth Guard death benefit base. You should not elect the RMD Wealth Guard death benefit under a QPDC contract unless you intend to convert to an IRA prior to taking RMDs. See Appendix “Purchase considerations for QP participants”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">RMDs are not required to be withdrawn from a Roth IRA during your lifetime. Therefore, if you are considering converting your traditional IRA to a Roth IRA, prior to converting your IRA to a Roth IRA, you must drop the RMD Wealth Guard death benefit. For information on dropping this benefit, see “Dropping or changing your Guaranteed benefits” in “Benefits available under the contract”, and under Appendix “Dropping or changing your Guaranteed benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The RMD Wealth Guard death benefit is only available for traditional IRA, SEP and QPDC contracts. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:ARIAL;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="font-family:arial;display:inline;">RMD Wealth Guard Refund feature</div> </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the RMD Wealth Guard death benefit and your Protected Benefit account value falls to zero before the owner’s death, your RMD Wealth Guard death benefit terminates and we will refund 10% of the total of (a) minus (b), where: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(a)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">equals your total contributions and transfers to the Protected Benefit account; and </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(b)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">equals the total dollar amount of any Excess RMD withdrawals you have taken. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example, assume that at the time your Protected Benefit account value fell to zero, your total contributions and transfers to the Protected Benefit account were $100,000 and you had taken a total of $10,000 in Excess RMD withdrawals. You will receive a refund equal to 10% of $90,000 ($100,000 - $10,000), or $9,000. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, any credit or Earnings bonus amounts added to your Protected Benefit account, including credit or Earnings bonus amounts transferred from your Investment account, are not included in part (a) of the formula for calculating your RMD Wealth Guard Refund. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We will pay you the amount of any RMD Wealth Guard Refund as a lump sum. In certain circumstances, you may be able to roll over this payment into another IRA. Please consult your tax adviser. Also, please see “Withdrawals, payments and transfers of funds out of traditional IRAs” in the “Tax Information” section of this Prospectus for more information about possible tax consequences of any distribution from your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your Protected Benefit account falls to zero, your contract will also terminate unless you have amounts allocated to the Investment account. In this case, you will receive the RMD Wealth </div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Guard Refund as a lump sum, your contract will continue and any remaining RMD payments will continue uninterrupted from your Investment account, beginning in the calendar year in which your Protected Benefit account falls to zero. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">“Greater of” death benefit </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your “Greater of” death benefit has a benefit base. The current charge for this benefit is 1.15%. The benefit base is not an account value or cash value. It is equal to the greater of: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The benefit base computed for the Highest Anniversary Value death benefit; and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base is used only in connection with the “Greater of” death benefit. It is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts contributed to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts transferred to the Protected Benefit account variable investment options; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects any “Excess withdrawal” amounts (plus any applicable withdrawal charges); less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects (a) in the contract year of first funding, the dollar amount of any RMD from the Protected Benefit account taken through our RMD program and (b) in the subsequent contract years, the dollar amount of any RMD from the Protected Benefit account in excess of the Annual withdrawal amount taken through our RMD program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any “Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount” or “Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount” minus a deduction that reflects any withdrawals up to the Annual withdrawal amount. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. Any such withdrawal will reduce (i) your Roll-up to age 85 benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. (Withdrawal charges do not apply to amounts withdrawn up to the Annual withdrawal amount.) </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Either the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount or the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is credited to the benefit bases of your Guaranteed benefits on each contract date anniversary. These amounts are calculated by taking into account your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base from the preceding contract date anniversary, the applicable <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract, contributions and transfers to the Protected Benefit account during the contract year and for the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount, any withdrawals up to the Annual withdrawal amount during the contract year. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. Any such withdrawal will reduce (i) your Roll-up to age 85 benefit base </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. However, a RMD withdrawal from our RMD program will not reduce your Annual Roll-up amount in the year you first fund your Protected Benefit account. The calculation of both the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount are discussed in this section. </div></div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In order to elect the “Greater of” death benefit, you must also elect the GMIB. Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account, and until the contract year following age 85, if your Lifetime GMIB payments under the GMIB have not begun, you may withdraw up to your Annual withdrawal amount without reducing your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base. However, these same withdrawals will reduce the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount that would otherwise be applied to your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base at the end of the year. Remember that the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount applicable under your contract does not become part of your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base until the end of the contract year. <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The portion of any withdrawal in excess of your</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual withdrawal amount will reduce your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">base on a pro rata basis. See “Annual withdrawal amount and your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base”.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Unless you decline or elect a different annual reset option, you will be enrolled in the automatic annual reset program and your Roll-up to age 85 benefit base will automatically reset to equal the Protected Benefit account value, if higher, on every contract date anniversary from your contract date, up to the contract date anniversary following your 85th birthday or contract maturity, if earlier. See “Annual reset options”. The <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base reset is described in more detail below. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For more information, see “Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount and Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base adjustment”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">From time to time, we may offer you some form of payment or incentive in return for terminating or modifying certain guaranteed benefits. See “Guaranteed benefit offers” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate is used to calculate amounts credited to your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base for the contract year in which the first withdrawal is made from your Protected Benefit account and all subsequent contract years. <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate used for the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 component of the “Greater of” death benefit is always the same as the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your GMIB.</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"></div>This rate is calculated using the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Ten-Year</div> Treasuries Rate Formula. See “Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> Rate” under “Guaranteed minimum income benefit” for more information regarding this formula. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A different <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate is used to calculate amounts credited to your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base in the contract years prior to the first withdrawal from your Protected Benefit account — the “Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate,” described below. </div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate is used to calculate amounts credited to your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base through the end of the contract year that precedes the contract year in which the first withdrawal is made from your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Beginning in the first contract year in which you fund your Protected Benefit account, the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount credited to your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base at the end of the contract year (the “Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount”) will be calculated using the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate. Once you take a withdrawal from your Protected Benefit account, the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount will not be credited at the end of the contract year in which the withdrawal was taken and will terminate for the life of the contract. Instead, the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount will be credited. <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate used for</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">component of</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">the “Greater of” death benefit is always the same as the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your GMIB. </div></div>This rate is calculated using the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Ten-Year</div> Treasuries Rate Formula. See “Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> Rate” under “Guaranteed minimum income benefit” for more information regarding this formula. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate is designed as an incentive to defer taking your first withdrawal from your Protected Benefit account until later contract years while potentially building greater Guaranteed benefit bases. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">New business rates. </div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">The new business <div style="white-space:nowrap;display:inline;">Roll-up</div> rates we set for the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base are the same as the new business rates we set for the GMIB. If you select the GMIB Two-Year Lock, the new business rates are no longer applicable after the second contract year, even if you fund your Guaranteed benefits after the second contract year. If you select the GMIB Multi-Year Lock, the Lock-in Rate will apply during the initial period that withdrawal charges may apply to your contract. For example, the Lock-in Rate, from the contract date and for each additional contribution, is seven years for Series B, nine years for Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> and four years for Series L. Lock-in Rates are no longer applicable after the duration specified in your contract. See “New business rates” under “Guaranteed minimum income benefit” for more information. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">75 Day rate <div style="white-space:nowrap;display:inline;">lock-in. </div></div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">When you select the “Greater of” death benefit with the GMIB, the 75 day rate lock in applies to both the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> under both Guaranteed benefits. For more information, including an example of how the 75 day rate <div style="white-space:nowrap;display:inline;">lock-in</div> works, see “Guaranteed minimum income benefit.” </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Renewal rates. </div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">The renewal <div style="white-space:nowrap;display:inline;">Roll-up</div> rates we set for the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base are the same as the renewal rates we set for the GMIB. For more information, see “Renewal rates” under “Guaranteed minimum income benefit.” </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Notification of Renewal rates. </div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">If you elected the “Greater of” death benefit at issue, your contract will indicate the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and the applicable time period those rates are in effect. These rates may not be the same rates that were illustrated prior to your purchase of the contract. If you choose to fund your “Greater of” death benefit (and your GMIB) after the new business rates have </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">expired, you can contact a Customer Service Representative to find out the current Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate and if applicable, Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate for your contract. In addition, your annual statement of contract values will show your current Renewal rates as well as the previous year’s Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate or Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate (whichever applies) for your contract. The information can also be found online, through your Equitable Client portal. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base adjustment </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount is an amount credited to your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base on each contract date anniversary if there has ever been a withdrawal from your Protected Benefit account. The Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount adjustment to your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base is the primary way to increase the value of the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 component of your “Greater of” death benefit base. This amount is calculated by taking into account your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base from the preceding contract date anniversary, the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate under your contract, contributions and transfers to the Protected Benefit account during the contract year and any withdrawals up to the Annual withdrawal amount during the contract year. The crediting of any Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount ends on the contract date anniversary following the owner reaching age 85. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. Any such withdrawal will reduce (i) your Roll-up to age 85 benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. However, a RMD withdrawal from our RMD program will not reduce your Annual Roll-up amount in the year you first fund your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount at the end of the contract year is calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base on the preceding contract date anniversary, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate that was in effect on the first day of the contract year; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any withdrawals up to the Annual withdrawal amount resulting in a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> reduction of the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any contribution to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any transfer from the Investment account variable investment options and/or Guaranteed interest option to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any contribution amounts to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the contract year. </td></tr></table><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is based on the number of days in the contract year after the contribution or transfer. (Since there is no Annual withdrawal amount in the first contract year in which the Protected Benefit account is funded, any withdrawals in that year (other than RMD withdrawals from our RMD program) result in a dollar-for-dollar reduction of the Annual Roll-up amount (but not less than zero).) </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In the event of your death, a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> portion of the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount will be added to the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals in excess of the Annual withdrawal amount may have a harmful effect on your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base and “Greater of” death benefit. A withdrawal in excess of your Annual withdrawal amount will always reduce your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. When the owner reaches age 85, withdrawals will reduce your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base on a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> basis up to your Annual withdrawal amount. For more information, see “How withdrawals affect your Guaranteed benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base adjustment </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount is an amount credited to your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base on each contract date anniversary provided you have never taken a withdrawal from your Protected Benefit account. This amount is calculated by taking into account your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base from the preceding contract date anniversary, the applicable Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate under your contract, and contributions and transfers to the Protected Benefit account during the contract year. The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount adjustment to your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base is the primary way to increase the value of the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 component of your “Greater of” death benefit base. The crediting of any Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount ends on the contract date anniversary following the owner reaching age 85. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount at the end of the contract year is calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base on the preceding contract date anniversary, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate that was in effect on the first day of the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any contribution to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any transfer from the Investment account and/or Guaranteed interest option to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any contribution amounts made during the contract year to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">A <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is based on the number of days in the contract year after the contribution or transfer. </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In the event of your death, a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> portion of the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount will be added to the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base reset </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This section describes how the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base reset works in connection with the calculation of your “Greater of” death benefit. </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Unless you decline or elect a different annual reset option, you will be enrolled in the automatic annual reset program and your Roll-up to age 85 benefit base will automatically reset to equal the Protected Benefit account value, if higher, on every contract date anniversary from your contract date, up to the contract date anniversary following your 85th birthday or contract maturity, if earlier. See “Annual reset options”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, on your contract date anniversary any credit or Earnings bonus amounts that are part of your Protected Benefit account value are included in the calculation of your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base reset. If you are eligible for an Earnings bonus on your contract date anniversary, the amount of the Earnings bonus will be credited to your Total account value after any reset is calculated. If a reset occurs, your Guaranteed benefit base(s) will not be increased by amounts associated with the Earnings bonus on that contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If a reset is not applicable on your contract date anniversary, the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base will not be eligible to be reset again until the next contract date anniversary. For jointly-owned contracts, eligibility to reset the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base is based on the age of the older owner. For <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-naturally</div> owned contracts, eligibility is based on the age of the annuitant or older joint annuitant. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We will send you a notice in each year that the Roll-up to age 85 benefit base is eligible to be reset. If you are not enrolled in either the automatic annual reset program or the automatic customized reset program you will have 30 days from your contract date anniversary to request a reset. At any time, you may choose one of the three available reset methods: one-time reset option, automatic annual reset program or automatic customized reset program. The procedures for choosing a reset method are the same procedures described under “GMIB benefit base reset”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The total dollar amount charged may increase as a result of the reset, even if the charge for the “Greater of” death benefit has not been increased, since the charges may be applied to a higher “Greater of” death benefit base than would have been otherwise applied. See “Charges and expenses” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Annual withdrawal amount and your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the “Greater of” death benefit and the GMIB, both your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base and GMIB benefit base are calculated the same way until age 85. Therefore, your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base and GMIB </div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">benefit base are equal until age 85. Beginning after the contract date anniversary following the owner’s (or older joint owner, if applicable) 85th birthday, your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base will (i) no longer roll up; (ii) no longer be eligible for resets; and (iii) be reduced <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> by withdrawals up to your Annual withdrawal amount. In contrast, the roll ups and resets for the GMIB benefit base calculation continue until age 95. Therefore, after age 85, your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base and your GMIB benefit base may differ. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals up to your Annual withdrawal amount affect your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base the exact same way as they affect your GMIB benefit base prior to the contract date anniversary following age 85. Beginning with the contract year that follows the contract year in which you first fund your Protected Benefit account, if Lifetime GMIB payments have not begun, you may withdraw up to your Annual withdrawal amount without reducing your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">It is important to note that withdrawals in excess of your Annual withdrawal amount will have a harmful effect on your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base and your “Greater of” death benefit.</div></div> An Excess withdrawal reduces your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. A withdrawal that causes your Protected Benefit account value to go to zero will terminate your “Greater of” death benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The reduction of your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis means that we calculate the percentage of your current Protected Benefit account value that is being withdrawn and we reduce your current <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base by the same percentage. A pro rata withdrawal will have a significant adverse effect on your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base in cases where the Protected Benefit account value is less than the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base. For an example of how pro rata reduction works, see “How withdrawals affect your Guaranteed benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For contracts with <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-natural</div> owners, the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base will be based on the annuitant’s (or older joint annuitant’s) age. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix “Guaranteed benefit base examples” for an example of how the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base that is part of the “Greater of” Guaranteed minimum death benefit is calculated. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you change ownership of the contract, generally the Guaranteed minimum death benefit will automatically terminate, except under certain circumstances. See “Transfers of ownership, collateral assignments, loans and borrowing” in “More information” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Guaranteed minimum death benefits are subject to state availability and your age at contract issue. For a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, see Appendix “State contract availability and/or variations of certain features and benefits”. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For contracts with <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-natural</div> owners, the available death benefits are based on the annuitant’s age. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see both “Effect of your account values falling to zero” in “Determining your contract’s value” and “How withdrawals affect your Guaranteed benefits” and the section entitled “Charges and expenses” for more information on these Guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See Appendix “Guaranteed benefit base examples” for examples of how the benefit bases for the Guaranteed minimum death benefits work. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx37249_22" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Payment of Death Benefit </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx37249_23" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Your beneficiary and payment of benefit </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You designate your beneficiary when you apply for your contract. You may change your beneficiary at any time while you are alive and the contract is in force. The change will be effective as of the date the written request is executed, whether or not you are living on the date the change is received in our processing office. We are not responsible for any beneficiary change request that we do not receive. We will send you a written confirmation when we receive your request. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under jointly owned contracts, the surviving owner is considered the beneficiary, and will take the place of any other beneficiary. Under a contract with a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-natural</div> owner that has joint annuitants who continue to be spouses at the time of death, the surviving annuitant is considered the beneficiary, and will take the place of any other beneficiary. In a QP contract, the beneficiary must be the plan trust. Where an NQ contract is owned for the benefit of a minor pursuant to the Uniform Gifts to Minors Act or the Uniform Transfers to Minors Act, the beneficiary must be the estate of the minor. Where an IRA contract is owned in a custodial individual retirement account, the custodian must be the beneficiary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The death benefit in connection with your Investment account is equal to your Investment account value as of the date we receive satisfactory proof of the owner’s (or older joint owner’s, if applicable) death, any required instructions for the method of payment, forms necessary to effect payment and any other information we may require. For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, the Investment account value used to determine the death benefit will first be reduced by the amount of any credits applied to contributions made during the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">one-year</div> period prior to the owner’s (or older joint owner’s, if applicable) death. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The death benefit in connection with any amount in your Protected Benefit account is equal to your Protected Benefit account value or, if greater, the applicable Guaranteed minimum death benefit. We determine the amount of the death benefit (other than the applicable Guaranteed minimum death benefit), as of the date we receive satisfactory proof of the owner’s (or older joint owner’s, if applicable) death, any required instructions for the method of payment, forms necessary to effect payment and any other information we may require (date of claim). However, this is not the case if the </div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">beneficiary of your contract is your spouse and he or she decides to roll over the death benefit to another contract issued by us. See “Effect of the owner’s death” below. For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, the Protected Benefit account value used to determine the death benefit will first be reduced by the amount of any credits applied to contributions made during the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">one-year</div> period prior to the owner’s (or older joint owner’s, if applicable) death. The amount of the applicable Guaranteed minimum death benefit will be such Guaranteed minimum death benefit as of the date of the owner’s (or older joint owner’s, if applicable) death adjusted for any subsequent withdrawals. If you elected the RMD Wealth Guard death benefit, the RMD Wealth Guard death benefit base will be reduced on a dollar-for-dollar basis by any withdrawals taken between December 31 of the calendar year of the date of death and the date of claim. Payment of the death benefit terminates the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">When we use the terms “owner” and “joint owner”, we intend these to be references to annuitant and joint annuitant, respectively, if the contract has a <div style="white-space:nowrap;display:inline;">non-natural</div> owner. If the contract is jointly owned or is issued to a <div style="white-space:nowrap;display:inline;">non-natural</div> owner, the death benefit is payable upon the death of the older joint owner or older joint annuitant, as applicable. </div></div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Subject to applicable laws and regulations, you may impose restrictions on the timing and manner of the payment of the death benefit to your beneficiary. For example, your beneficiary designation may specify the form of death benefit payout (such as a life annuity), provided the payout you elect is one that we offer both at the time of designation and when the death benefit is payable. In general, the beneficiary will have no right to change the election. However, you should be aware that (i) in accordance with current federal income tax rules, we apply a predetermined death benefit annuity payout election only if payment of the death benefit amount begins within one year following the date of death, which payment may not occur if the beneficiary has failed to provide all required information before the end of that period, (ii) we will not apply the predetermined death benefit payout election if doing so would violate any federal income tax rules or any other applicable law, and (iii) a beneficiary or a successor owner who continues the contract under one of the continuation options described below will have the right to change your annuity payout election. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, if the annuitant dies, the owner (or older joint owner, if applicable) will become the annuitant, and the death benefit is not payable. If the contract had joint annuitants, it will become a single annuitant contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Equitable Access Account </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">If the beneficiary is a natural person (i.e., not an entity such as a corporation or a trust) and so elects, death benefit proceeds can be paid through the “Equitable Access Account,” which is a draft account that works in certain respects like an interest-bearing checking account. In that case, we will send the beneficiary a draftbook, and the beneficiary will have immediate access to the proceeds by writing </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;"> a draft for all or part of the amount of the death benefit proceeds. The Company will retain the funds until a draft is presented for payment. Interest on the Equitable Access Account is earned from the date we establish the account until the account is closed by your beneficiary or by us if the account balance falls below the minimum balance requirement, which is currently $1,000. The Equitable Access Account is part of the Company’s general account and is subject to the claims of our creditors. We will receive any investment earnings during the period such amounts remain in the general account. The Equitable Access Account is not a bank account or a checking account and it is not insured by the FDIC. Funds held by insurance companies in the general account are guaranteed by the respective state guaranty association. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Effect of the owner’s death </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, if the owner dies while the contract is in force, the contract terminates and the applicable death benefit is paid. If the contract is jointly owned, the death benefit is payable upon the death of the older owner. If the contract has a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-natural</div> owner, the death benefit is payable upon the death of the annuitant. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">There are various circumstances, however, in which the contract can be continued by a successor owner or under a Beneficiary continuation option (“BCO”). For contracts with spouses who are joint owners, the surviving spouse will automatically be able to continue the contract under the “Spousal continuation” feature or under our Beneficiary continuation option, as discussed below. For contracts with <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-spousal</div> joint owners, the joint owner will be able to continue the contract as a successor owner subject to the limitations discussed under “Non-spousal joint owner contract continuation.” </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you are the sole owner, your surviving spouse may have the option to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">take the death benefit proceeds in a lump sum; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">continue the contract as a successor owner under “Spousal continuation” (if your spouse is the sole primary beneficiary) or under our Beneficiary continuation option, as discussed below; or </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">roll the death benefit proceeds over into another contract. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your surviving spouse rolls over the death benefit proceeds into a contract issued by us, the amount of the death benefit will be calculated as of the date we receive all requirements necessary to issue your spouse’s new contract. Any death proceeds will remain invested in this contract until your spouse’s new contract is issued. The amount of the death benefit will be calculated to equal the greater of the account value (as of the date your spouse’s new contract is issued) and the applicable Guaranteed minimum death benefit (as of the date of your death). This means that the death benefit proceeds could vary up or down, based on investment performance, until your spouse’s new contract is issued. </div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the surviving joint owner is not the surviving spouse, or, for single owner contracts, if the beneficiary is not the surviving spouse, federal income tax rules generally require payments of amounts under the contract to be made within five years of an owner’s death (the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">“5-year</div> rule”). In certain cases, an individual beneficiary or <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-spousal</div> surviving joint owner may opt to receive payments over his/her life (or over a period not in excess of his/her life expectancy) if payments commence within one year of the owner’s death. Any such election must be made in accordance with our rules at the time of death. If the beneficiary of a contract with one owner or a younger <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-spousal</div> joint owner continues the contract under the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">5-year</div> rule, in general, all Guaranteed benefits and their charges will end. For more information on <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-spousal</div> joint owner contract continuation, see the section immediately below. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx37249_24" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Non-spousal</div> joint owner contract continuation </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Upon the death of either owner, the surviving joint owner becomes the sole owner. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Any death benefit (if the older owner dies first) or cash value (if the younger owner dies first) must be fully paid to the surviving joint owner within five years. The surviving owner may instead elect to receive a life annuity, provided payments begin within one year of the deceased owner’s death. If the life annuity is elected, the contract and all benefits terminate. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the older owner dies first, we will increase the account value to equal the Guaranteed minimum death benefit, if higher. The surviving owner can elect to (1) take a lump sum payment; (2) annuitize within one year; (3) continue the contract for up to five years and any GMIB and charge will be terminated; or (4) continue the contract under the Beneficiary continuation option. For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, if any contributions are made during the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">one-year</div> period prior to the owner’s death, the account value will first be reduced by any credits applied to any such contributions. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the contract continues, any Guaranteed minimum death benefit and associated charge will be discontinued. Withdrawal charges, if applicable, will no longer apply, and no subsequent contributions will be permitted. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the younger owner dies first, the surviving owner can elect to (1) take a lump sum payment; (2) annuitize within one year; (3) continue the contract for up to five years; or (4) continue the contract under the Beneficiary continuation option. If the contract continues under the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">“5-year</div> rule”, the death benefit is not payable and the Guaranteed minimum death benefit, if applicable, will continue without change. In general, the GMIB and charge will be discontinued. Withdrawal charges, if applicable, will continue to apply and no subsequent contributions will be permitted. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx37249_25" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Spousal continuation </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you are the contract owner and your spouse is the sole primary beneficiary or you jointly own the contract with your younger spouse, your spouse may elect to continue the </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">contract as successor owner upon your death. Spousal beneficiaries (who are not also joint owners) must be 85 or younger as of the date of the deceased spouse’s death in order to continue the contract under Spousal continuation. The determination of spousal status is made under applicable state law. However, in the event of a conflict between federal and state law, we follow federal rules. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Upon your death, the younger spouse joint owner (for NQ contracts only) or the spouse beneficiary (under a single owner contract), may elect to receive the death benefit, continue the contract under our Beneficiary continuation option (as discussed in this section) or continue the contract, as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">In general, withdrawal charges will no longer apply to contributions made before your death. Withdrawal charges if applicable will apply if subsequent contributions are made. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">For contracts with the Return of Principal death benefit, a surviving spouse age 80 or younger on the date of your death can continue the contract with the Return of Principal death benefit and can continue funding the Protected Benefit account through age 80. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:arial">A surviving spouse age 81 or older on the date of your death can continue the contract but the Return of Principal death benefit amount will be frozen. This means that the Return of Principal death benefit base will no longer increase and will be subject to pro rata reduction for any subsequent withdrawals. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">For contracts with the Highest Anniversary Value or “Greater of” death benefit, as applicable, the following applies: </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">If the surviving spouse is age 65 or younger on the date of your death for contracts with the “Greater of” death benefit or age 80 or younger for contracts with the Highest Anniversary Value death benefit, and you were age 84 or younger at death, the Guaranteed minimum death benefit continues and will continue to grow according to its terms until the contract date anniversary following the date the surviving spouse reaches age 85. The charge for the applicable Guaranteed minimum death benefit will continue to apply, even after the Guaranteed minimum death benefit no longer rolls up or is no longer eligible for resets. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">If the surviving spouse is age 65 or younger on the date of your death for contracts with the “Greater of” death benefit or age 80 or younger for contracts with the Highest Anniversary Value death benefit and you were age 85 or older at death, we will reinstate the Guaranteed minimum death benefit under the contract. The benefit base (which had previously been frozen at age 85) will now continue to grow according to its terms until the contract date anniversary following the date the surviving spouse reaches age 85. The charge for the Guaranteed minimum death benefit will continue to apply, even </div></td></tr></table><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36pt"> </td> <td style="vertical-align:top;text-align:left">after the Guaranteed minimum death benefit no longer rolls up or is no longer eligible for resets. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">If the “Greater of” death benefit continues, the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base reset, and any Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount or Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount, as applicable, will be based on the surviving spouse’s age. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">If the surviving spouse is age 81 or older on the date of your death, for contracts with the Highest Anniversary Value death benefit, that death benefit will be frozen, which means: </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">On the date your spouse elects to continue the contract, the value of the Highest Anniversary Value death benefit will be set to equal the amount of the Highest Anniversary Value benefit base on the date of your death. If your Total account value is higher than the Highest Anniversary Value benefit base on the date of your death, the Highest Anniversary Value benefit base <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">will not be increased</div></div> to equal your Total account value. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Highest Anniversary Value death benefit will no longer be eligible to increase, and will be subject to pro rata reduction for any subsequent withdrawals. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The charge for the Highest Anniversary Value death benefit will be discontinued. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the death of your spouse, the beneficiary will receive, as of the date of death, the greater of the Total account value and the value of the Highest Anniversary Value death benefit. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">In all cases, whether the Guaranteed minimum death benefit continues or is discontinued, if your Total account value is lower than the Highest Anniversary Value benefit base on the date of your death, your Total account value <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">will be increased</div></div> to equal the Highest Anniversary Value benefit base. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">If the surviving spouse is age 66 or over on the date of your death, for contracts with the “Greater of” death benefit, that death benefit will be frozen, which means: </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">On the date your spouse elects to continue the contract, the value of the “Greater of” death benefit will be set to equal the amount of the “Greater of” death benefit base on the date of your death. If your Total account value is higher than the “Greater of” death benefit base on the date of your death, the “Greater of” death benefit base <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">will not be increased </div></div>to equal your Total account value. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The “Greater of” death benefit will no longer be eligible to increase, and will be subject to pro rata reduction for any subsequent withdrawals. </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The charge for the “Greater of” death benefit will be discontinued. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the death of your spouse, the beneficiary will receive, as of the date of death, the greater of the Total account value and the value of the Guaranteed minimum death benefit. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">In all cases, whether the Guaranteed minimum death benefit continues or is discontinued, If your Total account value is lower than the “Greater of” death benefit base on the date of your death, your Total account value <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">will</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">be increased</div></div> to equal the “Greater of” death benefit base. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:arial">Even though the “Greater of” death benefit is frozen, the surviving spouse can continue the contract with the Return of Principal death benefit and can continue funding the Protected Benefit account through age 80. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">For contracts with the RMD Wealth Guard death benefit, the following applies: </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">We will increase the Protected Benefit account value to equal RMD Wealth Guard death benefit base, if higher. This increase will be excluded from the total contributions portion of the calculation of any future RMD Wealth Guard Refund amount, if applicable. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">Withdrawal charges will not apply to the Protected Benefit account value at the time the surviving spouse elects to continue the contract, but they will apply to any contributions made by the surviving spouse after the owner’s death. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">If the surviving spouse is age 68 or younger on the date of death, the RMD Wealth Guard death benefit continues. The applicable fee for the RMD Wealth Guard death benefit will be based on the surviving spouse’s age at the time of the owner’s death, and will be higher if the surviving spouse is age 65 or higher as of the date of death and the deceased owner was under age 65 when the contract was issued. The RMD Wealth Guard death benefit base will continue to grow (or, if the benefit base had been frozen upon the owner reaching age 85, resume growing) according to its terms until the contract date anniversary following the earlier of (i) the first RMD withdrawal from the Protected Benefit account and (ii) the date the surviving spouse reaches age 85. Any fees for the RMD Wealth Guard death benefit collected between the date of death and the date of claim will not be refunded. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">If age 68 or younger on the date of death, the surviving spouse can fund the RMD Wealth Guard death benefit base if the deceased contract owner had been eligible to fund it but did not do so, or increase the RMD Wealth Guard death benefit base, by contributing or transferring additional amounts to the Protected Benefit Account, subject to the restrictions on contributions and transfers to the Protected Benefit Account described in Appendix </div></td></tr></table><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36pt"> </td> <td style="vertical-align:top;text-align:left">“Rule regarding contributions to your contract” and “Transferring your account value” in “Transferring your money among investment options”. Specifically, the restrictions on contributions and transfers that apply to contract owners age 20-64 on their contract date also apply to a surviving spouse age 20-64 on the date of death, and the rules that apply to contract owners age 65-68 on their contract date also apply to a surviving spouse aged 65-68 on the date of death. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If the surviving spouse is age 69 or older at the time of the owner’s death, and the Protected Benefit account has value, the RMD Wealth Guard death benefit amount will be frozen. This means that the RMD Wealth Guard death benefit base will no longer increase and will be subject to pro rata reduction for any subsequent withdrawals, including RMD withdrawals. The charge for the RMD Wealth Guard death benefit will be discontinued and the RMD Wealth Guard Refund feature will no longer apply. If the Protected Benefit account has no value, the RMD Wealth Guard death benefit will terminate and the charge will be discontinued. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">A surviving spouse who does not wish to continue the RMD Wealth Guard death benefit can terminate the benefit by taking a full withdrawal of the Protected Benefit account or making a one-time transfer to the Investment account variable investment options and guaranteed interest option. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">When deciding whether or not to continue the contract, please consider the value of the death benefit if taken as a lump sum and the value of the death benefit if the contract is continued, especially if post-death withdrawals occurred, as the values may differ. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB may continue if the benefit had not already terminated and the benefit will be based on the surviving spouse’s age at the date of the deceased spouse’s death. See “Exercise rules” under ‘‘Guaranteed minimum income benefit (‘‘GMIB’’)’’ in "Benefits available under the contract" in this Prospectus. If the GMIB continues, the charge for the GMIB will continue to apply. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Where an NQ contract is owned by a Living Trust, as defined in the contract, and at the time of the annuitant’s death the annuitant’s spouse is the sole beneficiary of the Living Trust, the Trustee, as owner of the contract, may request that the spouse be substituted as annuitant as of the date of the annuitant’s death. No further change of annuitant will be permitted. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Where an IRA contract is owned in a custodial individual retirement account, and your spouse is the sole beneficiary of the account, the custodian may request that the spouse be substituted as annuitant after your death. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For jointly owned NQ contracts, if the younger spouse dies first no death benefit is paid, and the contract continues as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Guaranteed benefits continue to be based on the older spouse’s age for the life of the contract. </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If the deceased spouse was the annuitant, the surviving spouse becomes the annuitant. If the deceased spouse was a joint annuitant, the contract will become a single annuitant contract. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The withdrawal charge schedule, if applicable, remains in effect. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you divorce, Spousal continuation does not apply. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx37249_26" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Beneficiary continuation option </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">This feature permits a designated individual, on the contract owner’s death, to maintain a contract with the deceased contract owner’s name on it and receive distributions under the contract, instead of receiving the death benefit in a single sum. We make this option available to beneficiaries under traditional IRA, Roth IRA and NQ contracts, subject to state availability. For traditional and Roth IRAs, depending on the beneficiary, this option may be restricted for deaths after December 31, 2019, due to the changes made by the Setting Every Community Up for Retirement Enhancement Act (“SECURE Act”) enacted at the end of 2019. Please speak with your financial professional for further information. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, including information on the availability of the Beneficiary continuation option in your state, see Appendix "State contract availability and/or variations of certain features and benefits". </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">Where an IRA contract is owned in a custodial individual retirement account, the custodian may reinvest the death benefit in an individual retirement annuity contract, using the account beneficiary as the annuitant. Depending on the beneficiary, this option may be restricted for deaths after December 31, 2019, due to the changes made by the SECURE Act. Please speak with your financial professional for further information. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Beneficiary continuation option for traditional IRA and Roth IRA contracts only. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">The Beneficiary continuation option must be elected by September 30th of the year following the calendar year of your death and before any other inconsistent election is made. Beneficiaries who do not make a timely election will not be eligible for this option. If the election is made, then, as of the date we receive satisfactory proof of death, any required instructions, information and forms necessary to effect the Beneficiary continuation option feature, we will increase the Protected Benefit account value to equal the applicable death benefit if such death benefit is greater than such account value, adjusted for any subsequent withdrawals. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, if any contributions are made during the <div style="white-space:nowrap;display:inline;">one-year</div> period prior to the owner’s death, the account value will first be reduced by any credits applied to any such contributions. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For deaths after December 31, 2019, only specified individuals who are “eligible designated beneficiaries” or “EDBs” may stretch post-death payments over the beneficiary’s life expectancy. See “required minimum distributions after your death” under “Tax Information.” Individual beneficiaries who do not have EDB status (including beneficiaries named by the original beneficiary to receive any </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;"> remaining interest after the death of the original beneficiary) must take out any remaining interest in the IRA or plan within 10 years of the applicable death. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under the Beneficiary continuation option for IRA and Roth IRA contracts: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The contract continues with your name on it for the benefit of your beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary replaces the deceased owner as annuitant. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">This feature is only available if the beneficiary is an individual. Certain trusts with only individual beneficiaries will be treated as individuals for this purpose. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If there is more than one beneficiary, each beneficiary’s share will be separately accounted for. It will be distributed over the beneficiary’s own life expectancy, if payments over life expectancy are chosen. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The minimum amount that is required in order to elect the Beneficiary continuation option is $5,000 for each beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary may make transfers among the Investment account variable investment options and the guaranteed interest option (subject to our rules) but no subsequent contributions will be permitted. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Protected Benefit account variable investment options will no longer be available and no value can be allocated to those investment options. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If any Guaranteed benefits are in effect under the contract, they will no longer be in effect and charges for such benefits will stop. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary may choose at any time to withdraw all or a portion of the Total account value and no withdrawal charges, if any, will apply. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any partial withdrawal must be at least $300. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your beneficiary will have the right to name a beneficiary to receive any remaining interest in the contract. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the death of your beneficiary, the following distribution rules will apply to the subsequent beneficiary named by your beneficiary: (1) if your beneficiary is an EDB or you died on or before December 31, 2019, the subsequent beneficiary must withdraw any remaining amount within ten years of your beneficiary’s death; or (2) if your beneficiary is not an EDB, the subsequent beneficiary must withdraw any remaining amount within 10 years of your death. The option elected will be processed when we receive satisfactory proof of death, any required instructions for the method of payment and any required information and forms necessary to effect payment. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">For beneficiaries who are required to take the entire interest within 10 years, we offer our post-death automatic RMD option to help the beneficiary meet </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt">the RMD requirements if the deceased owner died on or after the Required Beginning Date. We calculate post-death RMD payments using the beneficiary’s life expectancy determined in accordance with IRS tables. Instead of electing our post-death automatic RMD option, your beneficiary may choose to calculate the required amount themselves and request partial withdrawals. Regardless of whether your beneficiary elects this option, any remaining amounts will be distributed to your beneficiary by the end of the 10th calendar year following the year of your death. It is the beneficiary’s responsibility to ensure compliance with the post-death RMD rules under federal tax law. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Beneficiary continuation option for NQ contracts only. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">This feature, also known as Inherited annuity, may only be elected when the NQ contract owner dies before the annuity maturity date, whether or not the owner and the annuitant are the same person. For purposes of this discussion, “beneficiary” refers to the successor owner. This feature must be elected within 9 months following the date of your death and before any other inconsistent election is made. Beneficiaries who do not make a timely election will not be eligible for this option. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Generally, payments will be made once a year to the beneficiary over the beneficiary’s life expectancy, determined on a term certain basis and in the year payments start. These payments must begin no later than one year after the date of your death and are referred to as “scheduled payments.” The beneficiary may choose the <div style="white-space:nowrap;display:inline;">“5-year</div> rule” instead of scheduled payments over life expectancy. If the beneficiary chooses the <div style="white-space:nowrap;display:inline;">5-year</div> rule, there will be no scheduled payments. Under the <div style="white-space:nowrap;display:inline;">5-year</div> rule, the beneficiary may take withdrawals as desired, but the entire account value must be fully withdrawn by the fifth anniversary of your death. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under the Beneficiary continuation option for NQ contracts: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">This feature is only available if the beneficiary is an individual. It is not available for any entity such as a trust, even if all of the beneficiaries of the trust are individuals. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary automatically replaces the existing annuitant. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The contract continues with your name on it for the benefit of your beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If there is more than one beneficiary, each beneficiary’s share will be separately accounted for. It will be distributed over the respective beneficiary’s own life expectancy, if scheduled payments are chosen. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The minimum amount that is required in order to elect the Beneficiary continuation option is $5,000 for each beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary may make transfers among the Investment account variable investment options but no subsequent contributions will be permitted. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Protected Benefit account variable investment options will no longer be available and no value can be allocated to those investment options. </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If any Guaranteed benefits are in effect under the contract, they will no longer be in effect and charges for such benefits will stop. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If the beneficiary chooses the <div style="white-space:nowrap;display:inline;">“5-year</div> rule,” withdrawals may be made at any time. If the beneficiary instead chooses scheduled payments, the beneficiary may also take withdrawals, in addition to scheduled payments, at any time. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any partial withdrawals must be at least $300. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your beneficiary will have the right to name a beneficiary to receive any remaining interest in the contract on the beneficiary’s death. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the death of your beneficiary, the beneficiary he or she has named has the option to either continue taking scheduled payments based on the remaining life expectancy of the deceased beneficiary (if scheduled payments were chosen) or to receive any remaining interest in the contract in a lump sum. We will pay any remaining interest in the contract in a lump sum if your beneficiary elects the <div style="white-space:nowrap;display:inline;">5-year</div> rule. The option elected will be processed when we receive satisfactory proof of death, any required instructions for the method of payment and any required information and forms necessary to effect payment. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">If the deceased is the owner or the older joint owner: </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">As of the date we receive satisfactory proof of death, any required instructions, information and forms necessary to effect the Beneficiary continuation option feature, we will increase the Protected Benefit account value to equal the applicable death benefit if such death benefit is greater than such Protected Benefit account value adjusted for any subsequent withdrawals. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, if any contributions are made during the <div style="white-space:nowrap;display:inline;">one-year</div> period prior to the owner’s death, the account value will first be reduced by any credits applied to any such contributions. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">No withdrawal charges, if applicable, will apply to any withdrawals by the beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">If the deceased is the younger <div style="white-space:nowrap;display:inline;">non-spousal</div> joint owner: </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The account value will not be reset to the death benefit amount. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The contract’s withdrawal charge schedule, if applicable, will continue to be applied to any withdrawal or surrender other than scheduled payments; the contract’s free withdrawal amount will continue to apply to withdrawals but does not apply to surrenders. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">We do not impose a withdrawal charge on scheduled payments except if, when added to any withdrawals previously taken in the same contract year, including for this purpose a contract surrender, the total amount of withdrawals and scheduled payments exceed the free withdrawal amount. See the “Withdrawal charges” in “Charges and expenses”, if applicable. </td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A surviving spouse should speak to his or her tax professional about whether Spousal continuation or the Beneficiary continuation option is appropriate for him or her. Factors to consider include, but are not limited to, the surviving spouse’s age, need for immediate income and a desire to continue any Guaranteed benefits under the contract. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx37249_27" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Living Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx37249_28" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Guaranteed minimum income benefit </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">This section describes the Guaranteed minimum income benefit, or “GMIB”. The current charge for this benefit is 1.15%. The GMIB guarantees, subject to certain restrictions, annual lifetime payments (“Lifetime GMIB payments”) that are calculated by applying your GMIB benefit base, less any applicable withdrawal charge remaining, to guaranteed annuity purchase factors. You choose whether you want the option to be paid on a single or joint life basis at the time the GMIB is exercised. This benefit provides a minimum guarantee that may never come into effect. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Lifetime GMIB payments will begin at the earliest of: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">the next contract year following the date your Protected Benefit account value falls to zero (provided the no lapse guarantee is in effect); </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">the contract date anniversary following your 95th birthday; or </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">your election to exercise the GMIB. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We reserve the right to change the annuity option or make other forms of payout options available at any time. For a description of payout options, see “Your annuity payout options” in “Accessing your money”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When you exercise the GMIB, the annual lifetime income that you will receive will be the greater of (i) your GMIB which is calculated by applying your GMIB benefit base, less any applicable withdrawal charge remaining (if exercised prior to age 95), to GMIB guaranteed annuity purchase factors, or (ii) the income provided by applying your Protected Benefit account value to our then current annuity purchase factors or base contract guaranteed annuity purchase factors. The GMIB benefit base is applied only to the guaranteed annuity purchase factors under the GMIB in your contract and not to any other guaranteed or current annuity purchase rates. Your Total account value is never applied to the guaranteed annuity purchase factors under GMIB. The amount of income you actually receive will be determined when we receive your request to exercise the benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If there is no Investment account value remaining when you elect to receive annual lifetime income, your contract (including its death benefit and any account or cash values) will terminate and you will receive a new contract for the annuity payout option. For a discussion of when your payments will begin and end, see “Exercise of GMIB”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Before you elect the GMIB, you should consider the fact that it provides a form of insurance and is based on conservative</div> <div style="font-weight:bold;display:inline;">ac</div><div style="font-weight:bold;display:inline;">tuarial factors. Therefore, even if your</div> </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Protected Benefit</div> <div style="font-weight:bold;display:inline;">account value is less than your</div> <div style="font-weight:bold;display:inline;">benefit base, you may generate more income by applying your Protected Benefit account value to current annuity purchase factors.</div> We will make this comparison for you upon request. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Surrendering your contract will terminate your GMIB. Please see “Surrendering your contract to receive its cash value” in “Accessing your money”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB also allows you to take certain withdrawals (your “Annual withdrawal amount”) prior to the beginning of your Lifetime GMIB payments without reducing your GMIB benefit base. Your Annual withdrawal amount for the next contract year is calculated each contract date anniversary by applying a percentage (“the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate”) to your GMIB benefit base. Lifetime GMIB payments and your Annual withdrawal amount are described in this section. With respect to your GMIB, it is important to note the following: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Once a withdrawal is taken from your Protected Benefit account, you cannot make additional contributions to your Protected Benefit account, either directly or through a Special DCA program. You can, however, continue to make transfers from your Investment account to the Protected Benefit account variable investment options until such time you make a subsequent contribution to your Investment account at which point transfers into the Protected Benefit account will no longer be available. Scheduled transfers from an existing Special DCA program will continue, even after such subsequent contribution is made to the Investment account. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Withdrawals in excess of your Annual withdrawal amount (an “Excess withdrawal”) can greatly reduce the value of your GMIB. An Excess withdrawal that reduces your Protected Benefit account value to zero will cause your GMIB to terminate. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In order to fund your Guaranteed minimum income benefit, you must make contributions or transfers to the Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB can be elected by owners age 20 – 80 (ages 20 – 70 for Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div>) and with all contract types except Inherited IRA. If the contract is jointly owned, eligibility for the GMIB will be based on the older owner’s age. The GMIB cannot be added to your contract at a later date, if you do not elect this benefit at issue. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can drop your GMIB at any time prior to funding your Protected Benefit account. If you fund your Protected Benefit account at issue, you can drop your GMIB provided that all contributions to the contract are no longer subject to withdrawal charges. If you fund your Protected Benefit account after issue, you cannot drop the GMIB until the later of (i) the contract date anniversary following the date the Protected Benefit account is funded, and (ii) the expiration of all withdrawal charges. It is important to note that if you decide to drop your GMIB, either before or after funding your Protected Benefit account, your Guaranteed minimum death </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">benefit may be affected. Please see “Dropping or changing your Guaranteed benefits” and Appendix “Dropping or changing your Guaranteed benefits” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When you purchase a contract with the GMIB, you can combine it with one of our Guaranteed minimum death benefits: (i) the Return of Principal death benefit, (ii) the Highest Anniversary Value death benefit, or (iii) the “Greater of” death benefit. The GMIB cannot be combined with the “Greater of” death benefit if you are age 66 or older at the time your contract is issued. The GMIB cannot be combined with the RMD Wealth Guard death benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">There is an additional charge for the GMIB which is described under “Guaranteed minimum income benefit charge” in “Charges and expenses”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the GMIB and change ownership of the contract, this benefit will automatically terminate, except under certain circumstances. See “Transfers of ownership, collateral assignments, loans and borrowing” in “More information”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">The Guaranteed minimum income benefit should be regarded as a safety net only. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">GMIB benefit base </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your GMIB has a benefit base. We apply a Roll-up rate to your GMIB benefit base. When you purchase your contract, you may elect either the GMIB Two-Year Lock or the GMIB Multi-Year Lock. Once you choose a Lock-in Rate option, it cannot be changed. See “GMIB benefit base” and “New business rates” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your GMIB benefit base is not an account value or cash value. The GMIB benefit base is used to calculate your Lifetime GMIB payments, your Annual withdrawal amount and the charge for the benefit. Your GMIB benefit base is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts in a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any transfers to the Protected Benefit account variable investment options; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects any “Excess withdrawal” amounts (plus any applicable withdrawal charges); less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects (a) in the contract year of first funding, the dollar amount of any RMD from the Protected Benefit account taken through our RMD program and (b) in the subsequent contract years, the dollar amount of any RMD from the Protected Benefit account in excess of the Annual withdrawal amount taken through our RMD program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt;text-align:left">“Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount” OR any “Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount”, minus a deduction that reflects any </div></td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt">withdrawals up to the Annual withdrawal amount. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. Any such withdrawal will reduce (i) your Roll-up to age 85 benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. (Withdrawal charges do not apply to amounts withdrawn up to the Annual withdrawal amount.) </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Either the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount or the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is credited to the benefit bases of your Guaranteed benefits on each contract date anniversary. These amounts are calculated by taking into account your GMIB benefit base from the preceding contract date anniversary, the applicable <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract, contributions and transfers to the Protected Benefit account during the contract year and for the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount, any withdrawals up to the Annual withdrawal amount during the contract year. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. Any such withdrawal will reduce (i) your Roll-up to age 85 benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. However, a RMD withdrawal from our RMD program will not reduce your Annual Roll-up amount in the year you first fund your Protected Benefit account. The calculation of both the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount are discussed in this section. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;"></div>Beginning in the contract year that follows the contract year in which you fund your Protected Benefit account, if your Lifetime GMIB payments have not begun, you can withdraw up to your Annual withdrawal<div style="font-weight:bold;display:inline;"> </div>amount without reducing your GMIB benefit base. However, those same withdrawals will reduce the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount that would otherwise be applied to the GMIB benefit base at the end of the contract year. Remember that the <div style="white-space:nowrap;display:inline;">Roll-up</div> amount applicable under your contract<div style="font-weight:bold;display:inline;"> </div>does not become part of your GMIB benefit base<div style="font-weight:bold;display:inline;"> </div>until the end of the<div style="font-weight:bold;display:inline;"> </div>contract year. <div style="font-weight:bold;display:inline;">The portion of any withdrawal in excess of your Annual withdrawal amount will reduce your GMIB benefit base on a pro rata basis. See “Annual withdrawal amount”. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Unless you decline or elect a different annual reset option, you will be enrolled in the automatic annual reset program and your GMIB benefit base will automatically “reset” to equal the Protected Benefit account value, if higher, on every contract date anniversary from your contract date, up to the contract date anniversary following your 95th birthday or contract maturity, if earlier. See “Annual reset options”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Only amounts you allocate to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for the Protected Benefit account variable investment options will fund your GMIB. These amounts will be included in your GMIB benefit base and will become part of your Protected Benefit account value. See “Allocating your contributions” for more information. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You purchase a Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> — Series B contract with an initial contribution of $100,000 and allocate $60,000 to the Protected Benefit account variable investment options and $40,000 to the Investment account variable investment options. Your initial GMIB benefit base will be $60,000. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can fund your GMIB benefit by allocating money to the Protected Benefit account variable investment options (either directly or through a special DCA program) immediately or at some later date. Allocations to the Protected Benefit account variable investment options also fund your Guaranteed minimum death benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your “Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount” and “Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount” are described below. Your GMIB benefit base stops “rolling up” on the contract date anniversary following the owner’s (or older joint owner’s, if applicable) 95th birthday. If the annuitant is older than the owner, the contract maturity date (the point at which Lifetime GMIB payments must begin and <div style="white-space:nowrap;display:inline;">Roll-ups</div> will end) will precede the owner’s 95th birthday. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For contracts with <div style="white-space:nowrap;display:inline;">non-natural</div> owners, the GMIB benefit base will be based on the annuitant’s (or older joint annuitant’s) age. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The amount of the deduction for an “Excess withdrawal” and the deduction for the Annual withdrawal amount are described under “How withdrawals affect your Guaranteed benefits”. The amount of any withdrawal charge is described under “Withdrawal charge” in “Charges and expenses”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts only, any credit amounts attributable to your contributions or Earnings bonus are not included in your GMIB benefit base. This includes credit or Earnings bonus amounts transferred from your Investment account. Credit and Earnings bonus amounts allocated to your Investment account are always considered transferred first. Amounts transferred in excess of credit or Earnings bonus amounts, which may include earnings on these amounts, will increase your GMIB benefit base. All transfers, however, will increase your Protected Benefit account value by the total amount of the transfer. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example, you make an initial contribution of $100,000 and allocate the entire $100,000 to the Investment account variable investment options. Your Investment account is credited with $3,000 (3% x $100,000). Assume you later transfer $4,000 to the Protected Benefit account variable investment options, which represents the credit amount plus earnings, some of which are attributable to the credit amount. Your GMIB benefit base would equal $1,000 ($4,000 – $3,000). However, your Protected Benefit account value would still increase by the transfer, which in this example is $4,000. For more information, see “Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts and your Guaranteed benefit bases”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">As discussed in this section, your GMIB benefit base is not an account value or cash value. As a result, the GMIB benefit base cannot be split or divided in any proportion in connection with a divorce. See “How divorce may affect your Guaranteed benefits” in “More information.” </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix “Guaranteed benefit base examples” for an example of how the GMIB benefit base is calculated. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You do not have an Annual withdrawal amount in the first contract year in which you fund your Protected Benefit account. A withdrawal from your Protected Benefit account in the first contract year in which you fund the Protected Benefit account will reduce your GMIB benefit base on a pro rata basis. Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account, if your Lifetime GMIB payments have not begun, withdrawals up to your Annual withdrawal amount will not reduce your GMIB benefit base. The portion of a withdrawal in excess of your Annual withdrawal amount will reduce your GMIB benefit base on a pro rata basis. See “Annual withdrawal amount”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For a description of how the ATP exit option will impact your GMIB benefit base, see ‘‘ATP exit option’’. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">GMIB benefit base reset </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Unless you decline or elect a different annual reset option, you will be enrolled in the automatic annual reset program and your GMIB benefit base will automatically “reset” to equal the Protected Benefit account value, if higher, on every contract date anniversary from the date you first fund your Protected Benefit account, up to the contract date anniversary following your 95th birthday or contract maturity, if earlier. You must notify us in writing that you want to opt out of any automatic reset program. You can send us a written request to opt back in to an automatic reset program at a later date. We reserve the right to change or discontinue our reset programs at any time. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, on your contract date anniversary any credit or Earnings bonus amounts that are part of your Protected Benefit account value are included in the calculation of your GMIB benefit base reset. If you are eligible for an Earnings bonus on your contract date anniversary, the amount of the Earnings bonus will be credited to your Total account value after any reset is calculated. If a reset occurs, your Guaranteed benefit base(s) will not be increased by amounts associated with the Earnings bonus on that contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If a reset is not applicable on your contract date anniversary, the GMIB benefit base will not be eligible to be reset again until the next contract date anniversary. For jointly-owned contracts, eligibility to reset the GMIB benefit base is based on the age of the older owner. For <div style="white-space:nowrap;display:inline;">non-naturally</div> owned contracts, eligibility is based on the age of the annuitant or older joint annuitant. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Annual reset options</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-weight:bold;display:inline;">.</div> We will send you a notice in each year that the GMIB benefit base is eligible to be reset. If you are not enrolled in either the automatic annual reset program or the automatic customized reset program you will have 30 days from your contract date anniversary to request a reset. At any time, you may choose one of the three available reset methods: one-time reset option, automatic annual reset program or automatic customized reset program. <div style="font-weight:bold;display:inline;">If, at the time of application, you do not decline the automatic</div> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">annual reset program or elect a different annual reset option, you will be enrolled in the automatic annual reset program.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;"></div><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">one-time reset option</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-style:italic;display:inline;"> — resets your GMIB benefit base on a single contract date anniversary. </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;"></div><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">automatic annual reset program</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-style:italic;display:inline;"> — automatically resets your GMIB benefit base on each contract date anniversary you are eligible for a reset. </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;"></div><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">automatic customized reset program</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-style:italic;display:inline;"> — automatically resets your GMIB benefit base on each contract date anniversary, if eligible, for the period you designate. </div></div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">One-time reset requests will be processed as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if your request is received within 30 days following your contract date anniversary, your GMIB benefit base will be reset, if eligible, as of that contract date anniversary. If your GMIB benefit base was not eligible for a reset on that contract date anniversary, your one-time reset request will be terminated; or </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if your request is received outside the 30 day period following your contract date anniversary, your GMIB benefit base will be reset, if eligible, on the next contract date anniversary. If your GMIB benefit base is not eligible for a reset, your one-time reset request will be terminated. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Once your one-time reset request is terminated, you must submit a new request in order to reset your benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you wish to cancel your elected reset program, your request must be received by our processing office at least one business day prior to your contract date anniversary to terminate your reset program for such contract date anniversary. Cancellation requests received after this window will be applied the following year. A reset cannot be cancelled after it has occurred. For more information, see ‘‘How to reach us’’. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Effect of GMIB Benefit Base Resets</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-weight:bold;display:inline;">.</div> <div style="font-weight:bold;display:inline;">It is important to note that once you have reset your GMIB benefit base, a new waiting period to exercise the GMIB will apply from the date of the reset. Your new exercise date will be the tenth contract date anniversary following the reset or, if later, the earliest date you would have been permitted to exercise without regard to the reset, but in no event will it be later than the contract date anniversary following</div> <div style="font-weight:bold;display:inline;">age 95.</div> See ‘‘Exercise rules’’ and ‘‘How withdrawals affect your Guaranteed benefits’’ for more information. Please note that in most cases, resetting your GMIB benefit base will lengthen the exercise waiting period. Also, even when there is no additional charge when you reset your Roll-up benefit base, the total dollar amount charged may increase as a result of the reset since the charges may be applied to a higher benefit base than would have been otherwise applied. See ‘‘Charges and expenses’’. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Owners of traditional IRA or QP contracts should consider the effect of the waiting period on the requirement to take lifetime required minimum distributions before resetting the GMIB </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">benefit base. If a QP contract is converted to an IRA, in a direct rollover, the waiting period for the reset under the IRA contract will include any time that the QP contract was a funding vehicle under the plan. If a traditional IRA contract owner or a plan participant must begin taking lifetime required minimum distributions during the 10-year waiting period, the individual may want to consider taking the annual lifetime required minimum distribution calculated for the contract from another permissible contract or funding vehicle. See ‘‘How withdrawals affect your Guaranteed benefits’’ and ‘‘Lifetime required minimum distribution withdrawals’’ in ‘‘Accessing your money.’’ Also, see ‘‘Required minimum distributions’’ under ‘‘Individual retirement arrangements (IRAs)’’ in ‘‘Tax information’’ and Appendix ‘‘Purchase considerations for QP Contracts’’. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate your Annual withdrawal amount. It is also used to calculate amounts credited to your GMIB benefit base for the contract year in which the first withdrawal is made from your Protected Benefit account and all subsequent contract years. A different <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate amounts credited to your GMIB benefit base in the contract years prior to the first withdrawal from your Protected Benefit account — it is called the “Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate”. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is described below. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is variable and is tied to the <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate described below, but the minimum rate will never be less than 3% under the GMIB Multi-Year Lock or 4% under the GMIB Two-Year Lock (depending on the Rate-Hold option you select), or greater than 8% in all contract years. The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will be set at our discretion, subject to the stated minimum. We reserve the right, however, to declare an Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate that is greater than 8%. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate. </div></div></div>For each calendar quarter, this rate is the average of the rates for the <div style="white-space:nowrap;display:inline;">ten-year</div> U.S. Treasury notes on each day for which such rates are reported during the 20 calendar days ending on the 15th day of the last month of the preceding calendar quarter, plus 1.00%, rounded to the nearest 0.10%. U.S. Treasury rates will be determined from the Federal Reserve Board Constant Maturity Series or such comparable rates as may be published by the Federal Reserve Board or generally available reporting services if the Federal Reserve Board Constant Maturity Series is discontinued. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is only used to calculate amounts credited to your GMIB benefit base through the end of the contract year that precedes the contract year in which the first withdrawal is made from your Protected Benefit account. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is never used to calculate your Annual withdrawal amount under the GMIB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Beginning with the first contract year in which you fund your Protected Benefit account, the <div style="white-space:nowrap;display:inline;">Roll-up</div> amount credited to your GMIB benefit base at the end of the contract year (the “Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount”) will be calculated </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">using the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. Once you take a withdrawal from your Protected Benefit account, the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount will not be credited at the end of the contract year in which the withdrawal was taken and will terminate for the life of the contract. Instead, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount will be credited. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is designed as an incentive to defer taking your first withdrawal from your Protected Benefit account until later contract years while potentially building greater Guaranteed benefit bases with a higher <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is variable and is tied to the Deferral <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate described below. The minimum Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will never be less than 3% under the GMIB Multi-Year Lock or 4% under the GMIB Two-Year Lock (depending on the Rate-Hold option you select), or greater than 8% in all contract years up until the first withdrawal from the Protected Benefit account. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will be set at our discretion, subject to the stated minimum. We reserve the right, however, to declare a Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate that is greater than 8%. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Deferral <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate. </div></div></div>For each calendar quarter, this rate is the average of the rates for the <div style="white-space:nowrap;display:inline;">ten-year</div> U.S. Treasury notes on each day for which such rates are reported during the 20 calendar days ending on the 15th day of the last month of the preceding calendar quarter, plus 2.00%, rounded to the nearest 0.10%. U.S. Treasury rates will be determined from the Federal Reserve Board Constant Maturity Series or such comparable rates as may be published by the Federal Reserve Board or generally available reporting services if the Federal Reserve Board Constant Maturity Series is discontinued. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">As described above, both the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will never be less than 3% under the GMIB Multi-Year Lock or 4% under the GMIB Two-Year Lock (depending on the Rate-Hold option you select), or greater than 8% in all contract years. Based on the underlying formula rates that are used in arriving at the two <div style="white-space:nowrap;display:inline;">Roll-up</div> rates, it is expected that the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will generally be 1.00% greater than the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. However, this is not guaranteed. In certain interest rate environments, the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate may not always be 1.00% greater than the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. In some cases, it may be more or less than 1.00% greater than the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Also, the Lock-in Rate you choose, which is the rate declared for the rate-hold period, may affect your Deferral Roll-up rate. In some cases, it may be more or less than 1.00% greater than the Annual Roll-up rate. The Lock-in Rates available under the Rate-Hold options are described further in this section under “New business rates.” </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Examples: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left"> </td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left"><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Example for the GMIB Multi-Year Lock</div></div></div><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">:</div></div></div> Assume the calculation of <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate results in an Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate of 2.75% and the calculation of the Deferral <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate results in a Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate of 3.75%. Since the Annual </div></td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="vertical-align:top;text-align:left"><div style="white-space:nowrap;display:inline;">Roll-up</div> rate is subject to a guaranteed minimum of 3%, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate would be 3%. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate would remain 3.75% having met the same guaranteed minimum. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left"><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"></div></div></div><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:9pt; font-family:arial;text-align:left"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Example for the GMIB Two-Year Lock</div></div><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">:</div></div></div> Assume the calculation of Ten-Year Treasuries Formula Rate results in an Annual Roll-up rate of 3.25% and the calculation of the Deferral Ten-Year Treasuries Formula Rate results in a Deferral Roll-up rate of 4.25%. Since the Annual Roll-up rate is subject to a guaranteed minimum of 4%, the Annual Roll-up rate would be 4%. The Deferral Roll-up rate would remain 4.25% having met the same guaranteed minimum. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left"><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:9pt; font-family:arial;text-align:left"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Example for both Rate-Hold options</div></div>: Assume the calculation of <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate results in an Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate of 7.25% and the calculation of the Deferral <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate results in a Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate of 8.25%. Since the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is below the guaranteed maximum of 8%, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate would remain 7.25%. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate would be 8% because it would have exceeded our guaranteed maximum. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">It is important to note that on each contract date anniversary, we will apply either the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate or the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate to your GMIB benefit base based on whether you have ever taken a withdrawal from the Protected Benefit account. In statements we provide you, we will show you the <div style="white-space:nowrap;display:inline;">Roll-up</div> amounts under both rate scenarios. Once you take a withdrawal from your Protected Benefit account, the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will no longer be shown on your statements. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">New business rates. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">You have two Rate-Hold options to choose from at contract issue, the GMIB Two-Year Lock or the GMIB Multi-Year Lock. Once you choose a Rate-Hold option, it cannot be changed. Under the GMIB Two-Year Lock, the Lock-in Rate will apply during your first two contract years and the minimum Lock-in Rate in all contract years will never be less than 4%. Under the GMIB Multi-Year Lock, the Lock-in Rate will apply during the initial period that withdrawal charges may apply to your contract and the minimum Roll-up Rate for each contract year will be the greater of the Lock-in Rate or, the Ten-Year Treasuries Formula Rate. After the initial period that withdrawal charges may apply to your contract, the Roll-up rate will never be less than 3% or, if greater the Ten-Year Treasuries Formula Rate. Under the GMIB Two-Year Lock or the GMIB Multi-Year Lock, the Roll-up rate will never be greater than 8%. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Once a contract is issued with the Annual Roll-up and Deferral rates that are in effect for new business, those rates will be applicable for the time periods described above. Any transfers or contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the time period in which the Lock-in Rates are in effect will get the Lock-in Rates as described above. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Lock-in Rates are no longer applicable after the duration specified in your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">75 Day rate <div style="white-space:nowrap;display:inline;">lock-in. </div></div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">If your initial contribution is received at our processing office within 75 days of the date you sign your application, your initial Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will be as follows: if either the Deferral Roll-up rate or the Annual Roll-up rate is lower on the date your contract is issued than on the date you signed your application, your contract will be issued with the Roll-up rates in effect on the date you signed your application. However, if on the date your contract is issued one Roll-up rate is higher and the other Roll-up rate is at least equal to the rate in effect on the date you signed your application or both Roll-up rates are higher than the Roll-up rates on the date you signed your application, your contract will be issued with the Roll-up rates in effect on the date your contract is issued. If we do not receive your initial contribution within 75 days of the date you sign your application, then your initial Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will be the rates in effect on the date we issue your contract. However, our procedures may result in the return of your application if we do not receive your initial contribution within 75 days of the date you sign your application. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, including whether a different rate <div style="white-space:nowrap;display:inline;">lock-in</div> period applies in your state, see Appendix “State contract availability and/or variations of certain features and benefits”. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Examples: </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You sign your application for Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract on September 15th. On that date the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rates are 4.50% and 5.50%, respectively. Your initial contribution is received by way of a roll-over contribution on October 5th and the contract is issued the same day. On that date the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rates are 4.25% and 5.25%, respectively. In this example, your contract will be issued with the rates that were “locked in” at the time you signed your application, not the lower rates that were in effect on the date your contract was issued. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You sign your application for Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract on October 15th. On that date the Annual Roll-up rate and Deferral Roll-up rates are 4.50% and 5.00%, respectively. Your initial contribution is received by way of a rollover contribution on November 5th and the contract is issued the same day. On that date the Annual Roll-up rate and Deferral Roll-up rates are 4.75% and 5.25%, respectively. In this example, your contract will be issued with the rates that were in effect at the time your contract was issued, not the lower rates that were in effect on the date your application was signed. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These are your Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> Lock-in Rates and they will apply to your contract for the applicable time period described under the GMIB Two-Year Lock and the GMIB Multi-Year Lock. Thereafter, Renewal rates will apply. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Renewal rates. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">After the Lock-in Rates are no longer in effect, a new Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will apply to your contract. A new Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will also apply provided you have never taken a withdrawal from your Protected Benefit account. These “Renewal rates” will never be less than 3% under the GMIB Multi-Year Lock or 4% under the GMIB Two-Year Lock (depending on the Rate-Hold option you select), or, if greater, the underlying <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate (for the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate) and Deferral <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate (for the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate). </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These Renewal rates may be more than or less than, or equal to, your initial Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. We also reserve the right to set new Lock-in Rates that are higher than Renewal rates. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Any transfers or contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program and any contribution amounts in a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options, after the first day of any contract year will get the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate in effect as of the most recent contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Notification of Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Renewal rates. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">If you elected the GMIB, your contract will indicate the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and the applicable time period those rates are in effect. These rates may not be the same rates that were illustrated prior to your purchase of the contract. If you choose to fund the GMIB after the new business rates have expired, you can contact a Customer Service Representative or visit www.equitable.com to find out the current Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and if applicable, the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate for your contract. In addition, your annual statement of contract values will show your current Renewal rates, as well as the previous year’s Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate or Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate (whichever applies) for your contract. This information can also be found online, through your Equitable Client portal. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate your Annual withdrawal amount and the credit to your GMIB benefit base if you have taken a withdrawal from your Protected Benefit account. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate the credit to your GMIB benefit base until a withdrawal is made. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual GMIB benefit base adjustment </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is an amount credited to your GMIB benefit base on each contract date anniversary if there has ever been a withdrawal from your Protected Benefit account. The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount adjustment to your GMIB benefit base is a primary way to increase the value of your GMIB benefit base. This amount is calculated by taking into account your GMIB benefit base from the preceding contract date anniversary, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract, contributions and transfers to the Protected Benefit account during the contract year and any withdrawals up to the Annual </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">withdrawal amount during the contract year. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. Any such withdrawal will reduce (i) your GMIB benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. However, a RMD withdrawal from our RMD program will not reduce your Annual Roll-up amount in the year you first fund your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount at the end of the contract year is calculated, as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your GMIB benefit base on the preceding contract date anniversary, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate that was in effect on the first day of the contract year; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any withdrawals up to the Annual withdrawal amount resulting in a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> reduction of the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any transfer from the Investment account and/or Guaranteed interest option to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution amounts made during the contract year to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is based on the number of days in the contract year after the contribution or transfer. (Since there is no Annual withdrawal amount in the first contract year in which the Protected Benefit account is funded, any withdrawals in that year other than RMD withdrawals from our RMD program result in a dollar-for-dollar reduction of the Annual Roll-up amount (but not less than zero).) </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual GMIB benefit base adjustment </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is an amount credited to your GMIB benefit base on each contract date anniversary provided you have never taken a withdrawal from your Protected Benefit account. The amount is calculated by taking into account your GMIB benefit base from the preceding contract date anniversary, the applicable Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract and contributions and transfers to the Protected Benefit account during the contract year. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount adjustment to your GMIB benefit base is a primary way to increase the value of your GMIB benefit base. Your Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount at the end of the contract year is calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">your GMIB benefit base on the preceding contract date anniversary, multiplied by </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate that was in effect on the first day of the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">a <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">a <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any transfer from the Investment account and/or Guaranteed interest option to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">a <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution amounts made during the contract year to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">A <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is based on the number of days in the contract year after the contribution or transfer. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">The GMIB benefit base stops rolling up on the contract date anniversary following the owner’s (or older joint owner, if applicable) 95th birthday or, if earlier, at contract maturity, or the owner’s (or older joint owner’s, if applicable) death. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Annual withdrawal amount </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">(Applicable prior to the beginning of Lifetime GMIB payments) </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual withdrawal amount for the next contract year is calculated on each contract date anniversary beginning with the contract year that follows the contract year in which the Protected Benefit account is first funded, and is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate in effect at the time, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the GMIB benefit base as of the most recent contract date anniversary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account, if your Lifetime GMIB payments have not begun, you may withdraw up to your Annual withdrawal amount without reducing your GMIB benefit base and adversely affecting your Lifetime GMIB payments. <div style="font-weight:bold;display:inline;">It is important to note that withdrawals in excess of your Annual withdrawal</div> <div style="font-weight:bold;display:inline;">amount will have a harmful effect on both your GMIB benefit base</div> <div style="font-weight:bold;display:inline;">and</div> <div style="font-weight:bold;display:inline;">Lifetime GMIB payments. An Excess withdrawal that reduces your Protected Benefit account to zero will cause your</div> <div style="font-weight:bold;display:inline;">GMIB</div> <div style="font-weight:bold;display:inline;">to terminate. </div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You do not have an Annual withdrawal amount in the contract year in which you fund the Protected Benefit account. <div style="font-weight:bold;display:inline;">A</div> <div style="font-weight:bold;display:inline;">withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal and will reduce (i) your GMIB benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis.</div> Beginning with the contract year that follows the contract year in which your Protected Benefit account was first </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">funded, the portion of a withdrawal from your Protected Benefit account in excess of your Annual withdrawal amount, and all subsequent withdrawals from your Protected Benefit account in that contract year, will always reduce your GMIB benefit base on a pro rata basis. This is referred to as an “Excess withdrawal”. The reduction of your GMIB benefit base on a pro rata basis means that we calculate the percentage of your current Protected Benefit account value that is being withdrawn and we reduce your current GMIB benefit base by the same percentage. A pro rata withdrawal will have a significant adverse effect on your benefit base in cases where the Protected Benefit account value is less than the benefit base. For an example of how a pro rata reduction works, see “How withdrawals affect your Guaranteed benefits”<div style="font-weight:bold;display:inline;"> </div><div style="font-weight:bold;display:inline;"></div>and, for examples of how withdrawals affect your Annual withdrawal amount, see Appendix “Examples of how withdrawals affect your Guaranteed benefit bases”<div style="font-weight:bold;display:inline;">. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual withdrawal amount is always calculated using the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate in effect for your contract at the beginning of the contract year. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate, described above, is never used for the purposes of calculating the Annual withdrawal amount. Your Annual withdrawal amounts are not cumulative. If you withdraw less than your Annual withdrawal amount in any contract year, you may not add the remainder to your Annual withdrawal amount in any subsequent year. Your Annual withdrawal amount may be more than or less than your Lifetime GMIB payments. Please refer to the beginning of this section for more information about “Lifetime GMIB payments”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Example of how your Annual withdrawal amount; Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount; Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual GMIB benefit base adjustment; and the effect of an Excess withdrawal is calculated. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Annual withdrawal amount.</div> Assume you make a contribution of $200,000 and allocate $100,000 to your Protected Benefit account variable investment options and $100,000 to your Investment account variable investment options at issue. At the beginning of contract year three, assume you transfer $5,000 to your Protected Benefit account variable investment options. Also assume that your Annual Roll-up rate is 4% and your Deferral rate is 5% in each contract year. Accordingly, your GMIB benefit base on your third contract date anniversary is $121,012. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB benefit base of $121,012 is calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You start with $100,000 allocated to the Protected Benefit account variable investment options. This amount is your initial GMIB benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">The first Deferral Roll-up amount increases your GMIB benefit base to <div style="font-weight:bold;display:inline;">$105,000. </div>($100,000 + $5,000) </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left"><div style="font-style:italic;display:inline;"> </div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left"><div style="font-style:italic;display:inline;">$100,000 (GMIB benefit base) x 5% (Deferral Roll-up rate) = $5,000 (Deferral Roll-up amount)</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">The second Deferral Roll-up amount increases your GMIB benefit base to <div style="font-weight:bold;display:inline;">$110,250. </div>($105,000 + $5,250) </div></td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left"> </td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left"><div style="font-style:italic;display:inline;">$105,000 (GMIB benefit base) x 5% (Deferral Roll-up rate) = $5,250 (Deferral Roll-up amount)</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Your $5,000 transfer from the Investment account at the beginning of contract year three increases your GMIB benefit base to <div style="font-weight:bold;display:inline;">$115,250. </div><div style="font-style:italic;display:inline;">($110,250 + $5,000)</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">The third Deferral Roll-up amount increases your GMIB benefit base to <div style="font-weight:bold;display:inline;">$121,012. </div><div style="font-style:italic;display:inline;">($115,250 + $5,762)</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left"><div style="font-style:italic;display:inline;"> </div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left"><div style="font-style:italic;display:inline;">$115,250 (GMIB benefit base) x 5% (Deferral Roll-up rate) = $5,762 (Deferral Roll-up amount)</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual withdrawal amount as of the beginning of contract year four is equal to $4,840, calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$121,012 (GMIB benefit base as of your most recent contract date anniversary) <div style="font-weight:bold;display:inline;">multiplied by</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">4% (your current Annual Roll-up rate) <div style="font-weight:bold;display:inline;">equals</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$4,840 </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note that your Annual Roll-up rate is used to calculate your Annual withdrawal amount. The Deferral Roll-up rate is never used to calculate your Annual withdrawal amount. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Annual Roll-up amount and annual benefit base adjustment.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> Further assume that during contract year four (on the 146th day of the contract year), you make a contribution of $10,000 to your Protected Benefit account variable investment options, making your current GMIB benefit base after the contribution $131,012. Also assume that you withdraw your full Annual withdrawal amount of $4,840 during contract year four. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On your fourth contract date anniversary, your Annual Roll-up amount is equal to $240, calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">4%<div style="font-style:italic;display:inline;"> (your current Annual Roll-up rate)</div> <div style="font-weight:bold;display:inline;">multiplied by</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$121,012 <div style="font-style:italic;display:inline;">(your GMIB benefit base as of your most recent contract date anniversary) </div><div style="font-weight:bold;display:inline;">minus</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$4,840 (the Annual withdrawal amount, which was withdrawn) <div style="font-weight:bold;display:inline;">plus</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$240 <div style="font-style:italic;display:inline;">(the daily pro-rated Roll-up amount for the contribution: $10,000 x 4% x 219/365* = $240)</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">equals </div>$240 </td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:24%;text-align:center;margin-left: auto;margin-right: auto"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">*</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left"><div style="font-style:italic;display:inline;">This fraction represents the number of days in a 365-day contract year that the contribution would have received credit toward the Roll-up amount.</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note that the withdrawal in contract year four terminated the Deferral Roll-up rate. Therefore on the fourth contract date anniversary, the Annual Roll-up rate was used to calculate the Annual Roll-up amount. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your adjusted GMIB benefit base is $131,252 </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Effect of an Excess withdrawal.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> In contract year four, assume instead that you make a withdrawal of $7,840 (including any </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">applicable withdrawal charges). This would result in an Excess withdrawal of $3,000 because your Annual withdrawal amount is only $4,840 ($7,840 – $4,840 = $3,000). Further, assume that your Protected Benefit account value at the time of this withdrawal is $100,000. As described in this section, Excess withdrawals reduce your GMIB benefit base on a pro-rata basis. Accordingly, your GMIB benefit base is reduced by $3,930 at the time of the withdrawal, calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$131,012 <div style="font-style:italic;display:inline;">(your current GMIB benefit base: $121,012 + $10,000)</div> <div style="font-weight:bold;display:inline;">multiplied by</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">3%<div style="font-style:italic;display:inline;"> (the percentage of your current Protected Benefit account value that was withdrawn in excess of your Annual withdrawal amount)</div> <div style="font-weight:bold;display:inline;">equals</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$3,930 </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On your fourth contract date anniversary, your adjusted GMIB benefit base is $127,322, calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$127,082 <div style="font-style:italic;display:inline;">(your GMIB benefit base adjusted to reflect the Excess withdrawal: $131,012 – $3,930 = $127,082)</div> <div style="font-weight:bold;display:inline;">plus</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$240 <div style="font-style:italic;display:inline;">(your Annual Roll-up amount)</div> <div style="font-weight:bold;display:inline;">equals</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$127,322 </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note that the Excess withdrawal in contract year four terminated the no lapse guarantee. Please see the following section for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See Appendix “Examples of how withdrawals affect your Guaranteed benefit bases” for more examples of how withdrawals affect your Guaranteed benefit bases and Annual withdrawal amount. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">GMIB “no lapse guarantee” </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, if your Protected Benefit account value falls to zero (except as discussed below), the GMIB will be exercised automatically, based on the owner’s (or older joint owner’s, if applicable) current age and GMIB benefit base as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You will be issued a life only supplementary contract based on a single life. Upon exercise, your Guaranteed minimum death benefit will be terminated. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You will have 30 days from when we notify you to change the payout option and/or the payment frequency. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Poor investment performance of the Protected Benefit account variable investment options may contribute to your Protected Benefit account value falling to zero. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The no-lapse guarantee will terminate under the following circumstances: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If your aggregate withdrawals from your Protected Benefit account in any contract year following the contract year in which you first fund your Protected Benefit account exceed your Annual withdrawal amount. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the contract date anniversary following the owner (or older joint owner, if applicable) reaching age 95, or, if earlier, the contract maturity date. </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you were enrolled in the Maximum Payment Plan or Customized Payment Plan, the frequency of your Lifetime GMIB payments will be the same based on the payment frequency you elected. Your Lifetime GMIB payment amount may be less than your Annual withdrawal amount in the prior contract year. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you were not enrolled in the Maximum Payment Plan or Customized Payment Plan, you will begin receiving your Lifetime GMIB payments annually one calendar year after the date that the Protected Benefit account value fell to zero. Your Lifetime GMIB payment amount may be less than your Annual withdrawal amount in the prior contract year. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Exercise of GMIB. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">On each contract date anniversary that you are eligible to exercise the GMIB, we will send you an eligibility notice illustrating how much income could be provided as of the contract date anniversary. You must notify us within 30 days following the contract date anniversary if you want to exercise the GMIB. You must return your contract to us, along with all required information within 30 days following your contract date anniversary, in order to exercise this benefit. Upon exercise of the GMIB, the owner (or older joint owner, if applicable) will become the annuitant, and the contract will be annuitized on the basis of the annuitant’s life. You will begin receiving annual payments one year after the annuity payout contract is issued. If you choose monthly or quarterly payments, you will receive your payment one month or one quarter after the annuity payout contract is issued. Under monthly or quarterly payments, the aggregate payments you receive in a contract year will be less than what you would have received if you had elected an annual payment, as monthly and quarterly payments reflect the time value of money with regard to both interest and mortality. You may choose to take a withdrawal prior to exercising the GMIB, which will reduce your payments. You may not partially exercise this benefit. See ‘‘Withdrawing your account value’’ in ‘‘Accessing your money’’. Payments end with the last payment before the annuitant’s<div style="font-weight:bold;display:inline;"> </div>(or joint annuitant’s, if applicable) death. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see “Exercise of the GMIB in the event of a GMIB fee increase” under “charges and expenses” for more information on exercising your GMIB upon notice of a change to the GMIB fee. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Exercise rules. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">The latest date you may exercise the GMIB is the 30th day following the contract date anniversary following the annuitant’s 95th birthday. If the GMIB is exercised on any contract date anniversary prior to age 95, the GMIB benefit base is reduced by any remaining withdrawal charge. If the GMIB is exercised as a result of the no lapse guarantee, any applicable withdrawal charges are waived. Eligibility to exercise the GMIB is based on the owner’s (or older joint owner’s, if applicable) age, as follows: </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If you were at least age 20 and no older than age 44 on the contract date anniversary immediately preceding the date you first funded your Protected Benefit account, you are eligible to exercise the GMIB within 30 days following each contract date anniversary beginning with the 15th contract date anniversary following the date you first funded your Protected Benefit account. </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If you were at least age 45 and no older than age 49 on the contract date anniversary immediately preceding the date you first funded your Protected Benefit account, you are eligible to exercise the GMIB within 30 days following each contract date anniversary after age 60. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If you were at least age 50 and no older than age 80 on the contract date anniversary immediately preceding the date you first funded your Protected Benefit account, you are eligible to exercise the GMIB within 30 days following each contract date anniversary beginning with the 10th contract date anniversary following the date you first funded your Protected Benefit account. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB guarantees annual lifetime payments (“Lifetime GMIB payments”), which will begin at the earliest of: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">the next contract year following the date your Protected Benefit account value falls to zero (provided the no lapse guarantee is in effect); </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">the contract date anniversary following your 95th birthday; or </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">your election to exercise the GMIB. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Lifetime GMIB payments will be calculated as described in this section. Whether your Lifetime GMIB payments are triggered by age 95, the no lapse guarantee, or your election to exercise the GMIB, we use the same calculation to determine the amount of the payments. Please note that withdrawal charges, if any, may apply if you elect to exercise the GMIB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For single owner contracts, the payout can be either based on a single life (the owner’s life) or joint lives. For IRA contracts, the joint life must be the spouse of the owner. For jointly owned contracts, payments can be based on a single life (based on the life of the older owner) or joint lives. For non-natural owners, payments are available on the same basis (based on the annuitant or joint annuitant’s life). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Lifetime GMIB payments are calculated by applying your GMIB benefit base less any applicable withdrawal charge remaining, to guaranteed annuity purchase factors. If your Protected Benefit account value is zero as described under the “GMIB “no lapse guarantee””, we will use your GMIB benefit base as of the day your Protected Benefit account value was reduced to zero. On the day your Protected Benefit account value is reduced to zero, we calculate your GMIB benefit base using the same formula as described under “GMIB benefit base”. If your Protected Benefit account was reduced to zero on a date other than your contract anniversary, we will include a pro rata portion of the applicable Roll-up amount in your GMIB base. Withdrawal charges, if any, will not apply under these circumstances. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Example: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:arial">Assume your Protected Benefit account value goes to zero in the middle of the 10th contract year. At the beginning of the 10th contract year, the GMIB benefit base is $100,000. Further assume there were no contributions or transfers to the Protected Benefit account or any withdrawals during that contract year. If the applicable Roll-up rate was 4%, the GMIB benefit base on the </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:arial">day your Protected Benefit account value was reduced to zero would be $102,000. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your Protected Benefit account value is reduced to zero on your contract date anniversary as the result of the deduction of charges under the contract, we will add any remaining Annual Roll-up amount, or if applicable, your Deferral Roll-up amount, to your GMIB benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the GMIB is exercised under any of the three events as described above, and you have no Investment account value, the following applies: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">We will issue a supplementary contract with the same owner and beneficiary. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">The deferral contract, including the Guaranteed minimum death benefit will be terminated. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the GMIB is exercised under any of the three events as described above, and you have Investment account value, the following applies: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">We will issue a supplementary contract for the Protected Benefit account with the same owner and beneficiary. The Investment account under the deferred contract will continue to be in force. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Your Lifetime GMIB payment will not reduce your Investment account value. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Your Guaranteed minimum death benefit will be terminated. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iv)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">For IRA contracts, your RMD payments will be based solely on your Investment account value and may only be withdrawn from your Investment account. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elect to exercise the GMIB or your Protected Benefit account value has not fallen to zero before or the contract date anniversary that follows the annuitant reaching age 95, whichever is sooner, the following applies: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">We will issue a supplementary contract with the same owner and beneficiary; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Your Lifetime GMIB payments will be equal to the greater of: </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">your Protected Benefit account value applied to the guaranteed, or, if greater, the current annuitization factors, </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold;text-align:center">-OR- </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the GMIB benefit base applied to the guaranteed annuity purchase factors. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example, assuming the current annuitization factors are greater than the guaranteed annuitization factors, a male contract owner whose annuitant is age 95 and has a $100,000 GMIB benefit base and $50,000 in Protected Benefit account value would receive the greater of the following: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Current annuitization factors (which are subject to change) applied to his $50,000 Protected Benefit account value, which currently equals a monthly payment of $1,065, or </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">The guaranteed annuity purchase factor discussed above (in this example, it would be 0.63%) applied to his $100,000 GMIB benefit base, which equals a Lifetime GMIB monthly payment of $630. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In this example, the contract owner’s monthly payment would be $1,065. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Any Investment account value will be annuitized under a separate contract based on one of the annuity payout options discussed under “Your annuity payout options” in “Accessing your money”; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Upon issuing your supplementary contract, your Guaranteed minimum death benefit and your death benefit in connection with your Investment account value will be terminated. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the GMIB and your Protected Benefit account value falls to zero due to an Excess withdrawal, we will terminate your GMIB and you will receive no payment or supplementary life annuity contract, even if your GMIB benefit base is greater than zero. Please see the Hypothetical illustrations in Appendix “Hypothetical illustrations” for an example of how Lifetime GMIB payments are calculated when: (i) a hypothetical Protected Benefit account value falls to zero, and (ii) the annuitant reaches age 95. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if the GMIB benefit base is reset after age 85, the only time you may exercise the GMIB is within 30 days following the contract date anniversary following the annuitant’s attainment of age 95; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">for Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series QP contracts, the Plan participant can exercise the GMIB only if he or she elects to take a distribution from the Plan and, in connection with this distribution, the Plan’s trustee changes the ownership of the contract to the participant. This effects a rollover of the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series QP contract into a Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series traditional IRA. This process must be completed within the 30-day time frame following the contract date anniversary in order for the Plan participant to be eligible to exercise. However, if the GMIB is automatically exercised as a result of the no lapse guarantee, a rollover into an IRA will not be effected and payments will be made directly to the trustee; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">since no partial exercise is permitted, owners of defined benefit QP contracts who plan to change ownership of the contract to the participant must first compare the participant’s lump sum benefit amount and annuity benefit amount to the GMIB benefit base and account value, and make a withdrawal from the contract if necessary. See ‘‘How withdrawals affect your Guaranteed benefits’’; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iv)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if you reset the GMIB benefit base (as described in this section), your new exercise date will be the tenth contract date anniversary following the reset or, if later, the earliest date you would have been permitted to exercise without regard to the reset, but in no event will it be </div></td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="vertical-align:top;text-align:left">later than the contract date anniversary following age 95. Please note that in most cases, resetting your GMIB benefit base will lengthen the waiting period; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(v)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">a spouse beneficiary or younger spouse joint owner under Spousal continuation may continue the GMIB if the contract is not past the last date on which the original owner could have exercised the benefit and the spouse beneficiary or younger spouse joint owner is eligible to continue the benefit and to exercise the benefit under the applicable exercise rule (described in the above bullets). In general, the spouse beneficiary or younger spouse joint owner’s age on the date of the owner’s death replaces the owner’s age at issue, for purposes of determining the availability of the benefit and which of the exercise rules applies. If the spouse beneficiary or younger spouse joint owner is over age 85 on the date of the owner’s death, she will have a one-time opportunity to exercise the GMIB subject to the following additional rules. The one-time election will be available only if the spouse beneficiary or younger spouse joint owner is age 95 or younger and the original owner died before the age of 95. In addition, the election to exercise the GMIB must be made no later than one year following the date of the owner’s death. If the GMIB is exercised, the Guaranteed minimum death benefit will be terminated. For example, if an owner is age 70 at issue, and he dies at age 79, and the spouse beneficiary is 86 on the date of his death, she may exercise the GMIB no later than one year following the date of the owner’s death, even though she was 77 at the time the contract was issued, because eligibility is measured using her age at the time of the owner’s death, not her age on the issue date; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(vi)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if the contract is jointly owned and not an IRA contract, you can elect to have the GMIB paid either: (a) as a joint life benefit or (b) as a single life benefit paid on the basis of the older owner’s age (if applicable); </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(vii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if the contract is an IRA contract, you can elect to have the Guaranteed minimum income benefit paid either: (a) as a joint life benefit, but only if the joint annuitant is your spouse or (b) as a single life benefit paid on the basis of the older annuitant’s age; and </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(viii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if the contract is owned by a trust or other non-natural person, eligibility to elect or exercise the GMIB is based on the annuitant’s (or older joint annuitant’s, if applicable) age, rather than the owner’s. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See ‘‘Effect of the owner’s death’’ under ‘‘Payment of death benefit’’ for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see ‘‘How withdrawals affect your Guaranteed benefits’’ and ‘‘Effect of your account values falling to zero’’ in ‘‘Determining your contract’s value’’ for more information on these guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">From time to time, we may offer you some form of payment or incentive in return for terminating or modifying certain guaranteed benefits. See “Guaranteed benefit offers” for more information. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:ARIAL;font-weight:bold"><div style="font-style:italic;display:inline;"><div style="font-family:arial;display:inline;">Asset transfer program (‘‘ATP’’)</div> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the GMIB, you are required to participate in the asset transfer program (‘‘ATP’’). The ATP helps us manage our financial exposure in providing the guaranteed benefits, by using predetermined mathematical formulas to move account value between the ATP Portfolio and the other Protected Benefit account variable investment options. The formulas applicable to you may not be altered once you have the benefit. In essence, we seek to preserve account value in the Protected Benefit account variable investment options by transferring some or all of your account value in other Protected Benefit account variable investment options to a more stable option (i.e., the ATP Portfolio investment option). The formulas also contemplate the transfer of some or all of the account value from the ATP Portfolio to the other Protected Benefit account variable investment options according to your allocation instructions on file. The formulas are described below and are also described in greater detail in Appendix “Formula for asset transfer program for Guaranteed minimum income benefit”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The ATP Portfolio will only be used to hold amounts transferred out of your other Protected Benefit account variable investment options in accordance with the formulas described below. The ATP Portfolio is part of the Protected Benefit account, but you may not directly allocate a contribution to the ATP Portfolio or request a transfer of account value into the ATP Portfolio. The ATP applies to amounts you allocate to the Protected Benefit account variable investment options. On a limited basis, you may request a transfer out of the ATP Portfolio, subject to the rules discussed below. For a summary description of the ATP Portfolio, please see ‘‘Portfolios of the Trusts’’ in “Purchasing the Contract”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Transfers into or out of the ATP Portfolio, if required, are processed on each valuation day. The valuation day occurs on each contract monthiversary. The contract monthiversary is the same date of the month as the contract date. If the contract monthiversary is not a business day in any month, the valuation day will be the next business day. For contracts with issue dates after the 28th day of the month, the valuation day will be on the first business day of the following month. In the twelfth month of the contract year, the valuation day will be on the contract date anniversary. If the contract date anniversary occurs on a day other than a business day, the valuation day will be the business day immediately preceding the contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, the formulas work as follows. On each valuation day, two formulas — the ATP formula and the transfer amount formula — are used to automatically perform an analysis with respect to your GMIB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The first formula, called the ATP formula, begins by calculating a contract ratio, which is determined by dividing the Protected Benefit account value by the GMIB benefit base, and subtracting the resulting number from one. The contract ratio is then compared to predetermined ‘‘transfer points’’ to determine what portion of the Protected Benefit account value needs to be held in the ATP Portfolio. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the contract ratio on the valuation day is equal to or less than the minimum transfer point, all of the account value in the ATP Portfolio, if any, will be transferred to the other Protected Benefit account variable investment options according to your allocation instructions on file. If the contract ratio on the valuation day exceeds the minimum transfer point but is less than the maximum transfer point, amounts may be transferred either into or out of the ATP Portfolio depending on the account value already in the ATP Portfolio and a Special DCA program designated for the Protected Benefit account variable investment options. If the contract ratio on the valuation day is equal to or greater than the maximum transfer point, the total amount of your account value in the Protected Benefit account variable investment options will be transferred into the ATP Portfolio. For purposes of these calculations, amounts in any Special DCA program designated for the Protected Benefit account variable investment options are excluded from amounts that are transferred into the ATP Portfolio. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">ATP transfers into the ATP Portfolio will be transferred out of your other Protected Benefit account variable investment options on a pro rata basis. ATP transfers out of the ATP Portfolio will be allocated among the other Protected Benefit account variable investment options in accordance with your allocation instructions on file. No amounts will be transferred into or out of a Special DCA program as a result of any ATP transfer. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you make a contribution or transfer to your Protected Benefit account after the contract date, that contribution will be allocated according to the instructions that you provide or, if we do not receive any instructions, according to the allocation instructions on file for your contract. If the contribution or transfer is processed on a valuation day, it will be subject to an ATP transfer calculation on that day. If the contribution is received between valuation days, the amount contributed will be subject to an ATP transfer calculation on the next valuation day. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A separate formula, called the transfer amount formula, is used to calculate the amount that must be transferred either into or out of the ATP Portfolio when the ATP formula indicates that such a transfer is required. For example, the transfer amount formula reallocates Protected Benefit account value such that for every 1% by which the contract ratio exceeds the minimum transfer point after the transaction 10% of the Protected Benefit account value will be invested in the ATP Portfolio and a Special DCA program designated for the Protected Benefit account variable investment options. When the contract ratio exceeds the maximum transfer point, amounts will be transferred into the ATP Portfolio such that 100% of the Protected Benefit account value will be invested in the ATP Portfolio and a Special DCA program designated for the Protected Benefit account variable investment options. On the first day of your first ATP year, the minimum transfer point is 15% and the maximum transfer point is 25%. The minimum and maximum transfer points increase each contract monthiversary. In the 10th ATP year (and later), the minimum transfer point </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">is 45% and the maximum transfer point is 55%. See Appendix “Formula for asset transfer program for Guaranteed minimum income benefit” for a list of transfer points. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Each time you make a subsequent contribution or transfer to your Protected Benefit account we will apply a setback adjustment formula. We use the formula to determine whether (and to what extent) your applicable transfer points may be “set back”. Any set back of your transfer points will apply on the next business day. The formula we use to calculate the set back applicable to you may not be altered once you have the benefit. In general, the formula adjusts your applicable transfer points to reflect the weighted average age of all contributions and transfers made to the Protected Benefit account in relation to the GMIB benefit base on the day prior to the contribution or transfer. For information about the calculation, please see Appendix “Formula for asset transfer program for Guaranteed minimum income benefit”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you take a withdrawal from your Protected Benefit account and there is account value allocated to the ATP Portfolio, the withdrawal will be taken pro rata out of your Protected Benefit account variable investment options (including the ATP Portfolio). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Subject to any necessary regulatory approvals and advance notice to affected contract owners, we reserve the right to utilize an investment option other than the ATP Portfolio as part of the ATP. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">ATP exit option.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> Apart from the operation of the formulas, you may request a transfer of account value in the ATP Portfolio. You may wish to exercise the ATP exit option if you seek greater equity exposure and if it meets your investment goals and risk tolerance. This strategy may result in higher growth of your Protected Benefit account value if the market increases which may also increase your Guaranteed benefit bases upon a reset. On the other hand, if the market declines, your Protected Benefit account value will also decline which will reduce the likelihood that your Guaranteed benefit bases will increase. You should consult with your financial professional to assist you in determining whether exercising the ATP exit option meets your investment goals and risk tolerance. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The ATP exit option is subject to the following limitations: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You may not transfer out of the ATP Portfolio during the contract year in which you first fund your Protected Benefit account. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Beginning in the contract year that follows the contract year in which you first fund your Protected Benefit account, and until the contract year following age 85, you may make a transfer out of the ATP Portfolio only once per contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You must elect the transfer on a specific transfer form we provide. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">100% of your account value in the ATP Portfolio must be transferred out. You cannot request a partial transfer. The transfer will be allocated to your other Protected Benefit account variable investment options based on the instructions we have on file. </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">There is no minimum account value requirement for the ATP exit option. You may make this election if you have any account value in the ATP Portfolio. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">We are not able to process an ATP exit option on a valuation day and we will not consider your transfer request to be in good order if we receive it on a valuation day. If we receive your transfer form on a valuation day and it is complete, your ATP exit option will be processed on the next business day. If no account value remains in the ATP Portfolio on that day, there will be no transfer and your election will not count as your one permitted ATP exit option for that contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If we process an ATP exit option, we will recalculate your benefit bases. A transfer may result in a reduction in your Guaranteed benefit bases and therefore a reduction in the value of your Guaranteed benefits. In some cases, the reduction in your benefit bases may be greater than the amount transferred out of the ATP Portfolio. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note that after exercising the ATP exit option, account value may be transferred out of your Protected Benefit account investment options and into the ATP Portfolio as soon as the next valuation day. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You should be aware that contributions and transfers to the Protected Benefit account generally have the effect of moving money out of the ATP Portfolio. However, in cases where the GMIB benefit base far exceeds the Protected Benefit account value and a contribution or transfer has not been made for a long period of time, making an additional contribution or transfer to the Protected Benefit account may result in no movement out of the ATP Portfolio due to the ATP year set back. Under these circumstances, the additional contribution or transfer may be transferred into the ATP Portfolio on the next valuation day. You should consider these factors when making a subsequent contribution or transfer to your Protected Benefit account. See Appendix “Formula for asset transfer program for Guaranteed minimum income benefit” for examples of how subsequent contributions may impact the ATP exit option. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On the day the ATP exit option is processed, the current value of the GMIB benefit base, the Roll-up to age 85 benefit base and the Highest Anniversary Value benefit base (as applicable) is compared to the new benefit base produced by the ATP exit option formula. Each benefit base (the GMIB benefit base, the Roll-up to age 85 benefit base and the Highest Anniversary Value benefit base) is adjusted to the lesser of the current value of that benefit base or the new benefit base produced by the ATP exit option formula. There is the potential that the Roll-up to age 85 benefit base will be adjusted without a corresponding adjustment to the Highest Anniversary Value benefit base and vice versa. The Return of Principal death benefit base is not adjusted. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the GMIB benefit base and Roll-up to age 85 benefit base are adjusted, there are no corresponding adjustments made to the Deferral Roll-up amount, the Annual Roll-up amount and the Annual withdrawal amount in that contract year. Any applicable amounts are added to your newly adjusted GMIB benefit base and Roll-up benefit base to age 85. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For information about the ATP exit option, please see Appendix “Formula for asset transfer program for Guaranteed minimum income benefit”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">GMIB annuity purchase factors</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">. Annuity purchase factors are the factors applied to determine your periodic payments under the GMIB and base contract annuity payout options. GMIB annuity purchase factors are based on the owner’s (and any younger joint owner’s) age, frequency of payment, are the same regardless of gender, and are generally more conservative than the base contract annuity purchase factors. Base contract annuity payout options are discussed under “Your annuity payout options” in “Accessing your money”. Base contract annuity purchase factors are based on interest rates, mortality tables, frequency of payments, the form of annuity benefit, and the owner’s (and any joint owner’s) age and sex in certain instances. We may provide more favorable current annuity purchase factors for the annuity payout options than those specified in your contract. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Exercising the GMIB when your Protected Benefit account value is greater than zero</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-weight:bold;display:inline;">.</div> The lifetime annual payment amount you receive will be the greater of the Lifetime GMIB payment amount or the income derived from applying your Protected Benefit account value to our current or guaranteed annuitization factors. This lifetime annual payment amount may be lower than your Annual withdrawal amount depending on your age, current annuitization factors, and your Protected Benefit account and GMIB benefit base values at the time you exercise the GMIB. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Exercising the GMIB through the no-lapse guarantee when your Protected Benefit account value falls to zero</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-weight:bold;display:inline;">.</div> If your Protected Benefit account value falls to zero and the no lapse guarantee is in effect, the GMIB is exercised automatically and you will receive Lifetime GMIB payments. This annual Lifetime GMIB payment amount may be lower than your Annual withdrawal amount, depending on your age at the time the GMIB is exercised and whether you elect to be paid on a single or joint life basis. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">•</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">Exercising the GMIB provides you with a guaranteed annual lifetime payment that is not intended to replace the annual income you can receive by withdrawing the Annual withdrawal amount prior to exercising the GMIB. The annual Lifetime GMIB payment amount you receive is based on conservative actuarial factors and may be lower than your Annual withdrawal amount. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">•</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">At some GMIB exercise ages, the annual Lifetime GMIB payment amount may be less than your Annual withdrawal amount. Accordingly, you should not deplete your Protected Benefit account value through withdrawals in reliance on receiving a similar amount of annual income through Lifetime GMIB payments. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx37249_29" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Series CP</div><div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="font-family:arial;display:inline;"><div style="font-weight:bold;display:inline;"></div></div><div style="font-weight:bold;display:inline;"> and your Guaranteed benefit bases </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Credit and Earnings bonus amounts are not included in your GMIB and GMDB benefit bases. If you decide to transfer </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">amounts from your Investment account to your Protected Benefit account variable investment options, only amounts representing contributions and earnings will increase your benefit bases. Credit and Earnings bonus amounts to your Investment account are considered transferred first, though any amount of that transfer that represents those amounts will be excluded from your Guaranteed benefit bases, except to the extent that any credit and Earnings bonus amounts are part of the Protected Benefit account value, which is used to calculate the Highest Anniversary Value benefit base or a benefit base reset in connection with the GMIB benefit base or the Roll-up to age 85 benefit base (used to calculate the ”Greater of” death benefit). All transfers, however, will increase your Protected Benefit account value by the total amount of the transfer. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On December 1st, you purchase a Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract, make an initial contribution of $100,000 and you also elect the GMIB and the Return of Principal death benefit. You allocate the entire $100,000 contribution to the Investment account variable investment options and $0 to the Protected Benefit account variable investment options. In effect, you have not started to fund your Guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The credit on contributions applied to your contract is $3,000 ($100,000 x 3%), resulting in an initial Investment account value of $103,000. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On December 15th, you decide to fund your Guaranteed benefits by transferring $10,000 to the Protected Benefit account variable investment options. After that transfer, your Protected Benefit account value would be $10,000, but your GMIB benefit base and Return of Principal death benefit base would both be $7,000 ($10,000 – $3,000). This is because credits to your Investment account are always considered transferred first. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx37249_30" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">How withdrawals affect your Guaranteed benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Except as otherwise described in this section withdrawals from your Protected Benefit account will reduce your Guaranteed benefit bases on a pro rata basis. Reduction on a pro rata basis means that we calculate the percentage of your current Protected Benefit account value that is being withdrawn and we reduce your current Guaranteed benefit bases by the same percentage. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example, if your Protected Benefit account value is $30,000 and you withdraw $12,000, you have withdrawn 40% of your Protected Benefit account value. If your Guaranteed benefit base was $40,000 before the withdrawal, it would be reduced by $16,000 ($40,000 X .40) and your new Guaranteed benefit base after the withdrawal would be $24,000 ($40,000 – $16,000). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your Protected Benefit account value is greater than your Guaranteed benefit base, an Excess withdrawal will result in a reduction of your Guaranteed benefit base that will be less than the withdrawal. For example, if your Protected Benefit account value is $30,000 and you withdraw $12,000, you have withdrawn 40% of your Protected Benefit account </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">value. If your Guaranteed benefit base was $20,000 before the withdrawal, it would be reduced by $8,000 ($20,000 X .40) and your new Guaranteed benefit base after the withdrawal would be $12,000 ($20,000 – $8,000). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A pro rata deduction means that if you take a withdrawal that reduces your Guaranteed benefit bases on a pro rata basis and your Protected Benefit account value is less than your Guaranteed benefit base, the amount of the Guaranteed benefit base reduction will exceed the amount of the withdrawal. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For purposes of calculating the adjustment to your Guaranteed benefit bases, the amount of the withdrawal will include the amount of any applicable withdrawal charge. Using the example above, the $12,000 withdrawal would include the withdrawal amount paid to you and the amount of any applicable withdrawal charge deducted from your Protected Benefit account value. For more information on the calculation of the charge, see “Withdrawal charge”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the GMIB with the Highest Anniversary Value death benefit or the “Greater of” death benefit and you take a withdrawal from your Protected Benefit account, your Highest Anniversary Value benefit base for the respective Guaranteed minimum death benefits will be reduced on a dollar-for-dollar basis by withdrawals up to the Annual withdrawal amount, and on a pro rata basis by Excess withdrawals (including any applicable withdrawal charges). <div style="font-weight:bold;display:inline;">Note that any</div><div style="font-weight:bold;display:inline;"> withdrawal from</div><div style="font-weight:bold;display:inline;"> </div><div style="font-weight:bold;display:inline;">your </div><div style="font-weight:bold;display:inline;">Protected Benefit</div><div style="font-weight:bold;display:inline;"> account in the</div><div style="font-weight:bold;display:inline;"> </div><div style="font-weight:bold;display:inline;">first contract year in which the </div><div style="font-weight:bold;display:inline;">Protected Benefit</div><div style="font-weight:bold;display:inline;"> account is funded is an Excess withdrawal.</div><div style="font-weight:bold;display:inline;"> </div>If you take a withdrawal from your Protected Benefit account and you did not elect the GMIB with the Highest Anniversary Value death benefit, your Highest Anniversary Value benefit base will be reduced on a pro rata basis (including any applicable withdrawal charges). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals affect your GMIB benefit base and <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base, as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A withdrawal from your Protected Benefit account in the contract year in which you first fund your Protected Benefit account will reduce your GMIB benefit base and <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account, if your Lifetime GMIB payments have not begun, withdrawals up to your Annual withdrawal amount will not reduce your GMIB benefit base. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account and until the contract date anniversary after age 85, if your Lifetime GMIB payments have not begun, withdrawals up to your Annual withdrawal amount will not reduce your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Beginning on the contract date anniversary after age 85, withdrawals will reduce your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> basis up to your Annual withdrawal amount. </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The portion of a withdrawal in excess of your Annual withdrawal amount (“Excess withdrawal”) will always reduce your GMIB benefit base and <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. This means that once a withdrawal is taken that causes the sum of the withdrawals from your Protected Benefit account to exceed the Annual withdrawal amount, that portion of the withdrawal that exceeds the Annual withdrawal amount and any subsequent withdrawals from your Protected Benefit account in that contract year will reduce the GMIB benefit base and <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals affect your RMD Wealth Guard death benefit base, as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The full amount of any withdrawal from your Protected Benefit Account taken before the calendar year in which you turn age 70½ will reduce your RMD Wealth Guard death benefit base on a pro rata basis. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The full amount of any withdrawal from your Protected Benefit Account taken during your first contract year, even if you turn age 70½ during that year, will reduce your RMD Wealth Guard death benefit base on a pro rata basis. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The portion of a withdrawal from your Protected Benefit account that exceeds your RMD Wealth Guard withdrawal amount for the calendar year will reduce your RMD Wealth Guard death benefit base on a pro rata basis. This means that once you take a withdrawal that causes the sum of the withdrawals from your Protected Benefit account to exceed your RMD Wealth Guard withdrawal amount, that portion of the withdrawal that exceeds the RMD Wealth Guard withdrawal amount, and any subsequent withdrawals from your Protected Benefit account in that calendar year, will reduce your RMD Wealth Guard death benefit base on a pro rata basis. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Other than during your first contract year, a withdrawal from your Protected Benefit account beginning with the calendar year in which you turn age 70½ will be treated as a RMD Wealth Guard withdrawal and will count towards your RMD Wealth Guard withdrawal amount. Withdrawals from your Protected Benefit account up to your RMD Wealth Guard withdrawal amount will not reduce your RMD Wealth Guard death benefit base. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix “Examples of how withdrawals affect your Guaranteed benefit bases” for examples of how withdrawals affect your Guaranteed benefit bases. For information on how RMD payments affect your Guaranteed benefits, see “Lifetime required minimum distribution withdrawals” in “Accessing your money”. For information on how RMD payments affect your RMD Wealth Guard death benefit, see “RMDs for Traditional IRA and SEP IRA contracts with the RMD Wealth Guard death benefit” in “Accessing your money”. For information about the RMD Wealth Guard death benefit, see “RMD Wealth Guard death benefit”. </div><div id="tx37249_31" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Dropping or changing your Guaranteed benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can drop or change your Guaranteed benefits, subject to our rules. Your ability to do so depends on whether you have funded your Protected Benefit account. If you have not funded your Protected Benefit account, we call this a “pre-funding” drop or change. If you have funded your Protected Benefit account, we call this a “post-funding” drop. Also, in order to make a change to your Guaranteed minimum death benefit, you must meet the eligibility requirements for the new benefit. If you drop a Guaranteed benefit, you will not be permitted to add it back to your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Pre-Funding</div> Drop or Change </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Prior to funding your Protected Benefit account, you can drop your GMIB, Guaranteed minimum death benefit, or change your Guaranteed minimum death benefit. For contracts with the GMIB, the Guaranteed minimum death benefit generally cannot be changed without first dropping the GMIB. In Appendix “Dropping or changing your Guaranteed benefits”, we provide a chart that lists the possible Guaranteed benefit combinations under the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract and our rules for dropping and changing benefits prior to funding your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Post-Funding Drop </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you funded your Protected Benefit account at issue and contributions to the contract are no longer subject to withdrawal charges, you have the option to drop both your GMIB and Guaranteed minimum death benefit. Also, in some cases, you can drop your GMIB and retain your Guaranteed minimum death benefit. If you funded your Protected Benefit account after issue, you generally cannot drop your Guaranteed benefit(s) until the later of: (i) the contract date anniversary following the date the Protected Benefit account was funded, and (ii) the expiration of the period in which your contract is subject to withdrawal charges. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you decide to drop all Guaranteed benefits post-funding, we require that you complete the administrative form we provide for this purpose. You must either take a full withdrawal of your Protected Benefit account or make a <div style="white-space:nowrap;display:inline;">one-time</div> transfer to the Investment account variable investment options and guaranteed interest option. The Guaranteed benefits and any applicable charges will be terminated as of the business day we receive the properly completed administrative form at our processing office. Please note that when a Guaranteed benefit (other than the Return of Principal death benefit) is dropped on any date other than a contract date anniversary, we will deduct a pro rata portion of the charge for that year. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For contracts with the GMIB, the Guaranteed minimum death benefit cannot be dropped without first dropping the GMIB. In Appendix “Dropping or changing your Guaranteed benefits”, we provide a chart that lists the possible Guaranteed benefit combinations under the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract and our rules for dropping and changing benefits if you have already funded your Protected Benefit account. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you drop the GMIB from your contract and retain the GMDB, the ATP will no longer be in effect and any account value in the ATP Portfolio will be allocated according to your instructions on file for the Protected Benefit account. If you drop the GMIB from your contract and do not retain the GMDB and you make a one-time transfer to the Protected Benefit account, any account value in the ATP Portfolio will be allocated according to your instructions on file for the Investment account (including the guaranteed interest option). Please note that if you drop the GMIB from your contract, you may not retain the “Greater of“ GMDB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Dropping or changing your Guaranteed benefits in the event of a fee change.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> In the event that we exercise our contractual right to change the fee for the GMIB, “Greater of” death benefit, or RMD Wealth Guard death benefit, you may be given a <div style="white-space:nowrap;display:inline;">one-time</div> opportunity to drop your Guaranteed benefits or change your GMDB if it is not yet funded, subject to our rules. You may drop or change your Guaranteed benefits only within 30 days of the fee change notification. If you have funded your Protected Benefit account and wish to drop your Guaranteed benefits, the requirement that all withdrawal charges have expired will be waived. See “Fee changes for the Guaranteed minimum income benefit and “Greater of” death benefit“ in “Charges and expenses” and Appendix “Dropping or changing your Guaranteed benefits” for more information. </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx37249_32" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Guaranteed benefit offers </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">From time to time, we may offer you some form of payment or incentive in return for terminating or modifying certain guaranteed benefits. Previously, we made offers to groups of contract owners that provided for an increase in account value in return for terminating their guaranteed death or income benefits. In the future, we may make additional offers to these and other groups of contract owners. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When we make an offer, we may vary the offer amount, up or down, among the same group of contract owners based on certain criteria such as account value , the difference between account value and any applicable benefit base, investment allocations and the amount and type of withdrawals taken. For example, for guaranteed benefits that have benefit bases that can be reduced on either a pro rata or dollar-for-dollar basis, depending on the amount of withdrawals taken, we may consider whether you have taken any withdrawal that has caused a pro rata reduction in your benefit base, as opposed to a dollar-for-dollar reduction. Also, we may increase or decrease offer amounts from offer to offer. In other words, we may make an offer to a group of contract owners based on an offer amount, and, in the future, make another offer based on a higher or lower offer amount to the remaining contract owners in the same group. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you accept an offer that requires you to terminate a guaranteed benefit, we will no longer charge you for it, and you will not be eligible for any future offers related to that type of guaranteed benefit, even if such future offer would have included a greater offer amount or different payment or incentive. </div><div id="tx37249_33" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Other Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx37249_34" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Dollar cost averaging </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We offer a variety of dollar cost averaging programs. Not all of the programs described here are available with each Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract. You may only participate in one program at a time. Each program allows you to gradually allocate amounts to available investment options by periodically transferring approximately the same dollar amount to the investment options you select. Regular allocations to the variable investment options will cause you to purchase more units if the unit value is low and fewer units if the unit value is high. Therefore, you may get a lower average cost per unit over the long term. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">All amounts in a dollar cost averaging program will be transferred at the completion of the time period you select. Currently, our Special DCA programs time periods do not extend beyond 12 months. These plans of investing do not guarantee that you will earn a profit or be protected against losses. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Units measure your value in each variable investment option. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We offer the following dollar cost averaging programs in the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contracts: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Special dollar cost averaging; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Special money market dollar cost averaging; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">General dollar cost averaging; and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Investment simplifier. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The only dollar cost averaging programs that are available to fund your Guaranteed benefits are special dollar cost averaging and special money market dollar cost averaging (together, the “Special DCA programs”). Depending on the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract you own, you will have one of the Special DCA programs available to you, but not both. The Special DCA programs allow you to gradually fund your Protected Benefit account value through systematic transfers to the Protected Benefit account variable investment options. Amounts allocated to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options are included in the benefit bases for your Guaranteed benefits. Also, you may make systematic transfers to the Investment account variable investment options and the guaranteed interest option. Amounts in the account for special money market dollar cost averaging are immediately invested in the EQ/Money Market variable investment option. Only new contributions may be allocated to a Special DCA program. For information on how a Special DCA program may affect certain Guaranteed benefits, see “Guaranteed minimum income benefit” and “Guaranteed minimum death benefits” in this Prospectus. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">General dollar cost averaging and Investment simplifier, on the other hand, can only be used for systematic transfers to your Investment account variable investment options. Our Investment simplifier program is available for scheduled </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">transfers from the guaranteed interest option to the Investment account variable investment options. Our General dollar cost averaging program is available for scheduled transfers from the EQ/Money Market variable investment option to the Investment account variable investment options. Below, we provide detail regarding each of the programs. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Generally, you may not elect both a dollar cost averaging program and a rebalancing option. The only exception is if you elect our Investment simplifier program with Option I under our rebalancing programs, which does not rebalance amounts in the guaranteed interest option. For more information on our rebalancing programs, see “Rebalancing among your Investment account variable investment options and guaranteed interest option” in “Benefits available under the contract.” </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We do not deduct a transfer charge for any transfer made in connection with our dollar cost averaging programs. We may, at any time, exercise our right to terminate transfers to any of the variable investment options and to limit the number of variable investment options which you may elect. Not all dollar cost averaging programs are available in all states. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, including information on the availability of our dollar cost averaging programs in your state, see Appendix “State contract availability and/or variations of certain features and benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Our Special DCA programs. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">We currently offer the “Special dollar cost averaging program” under the Series B and Series L contracts and the “Special money market dollar cost averaging program” under the Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Special dollar cost averaging </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under the special dollar cost averaging program, you may dollar cost average from the account for special dollar cost averaging, which is part of the general account. We credit daily interest, which will never be less than 1% or the guaranteed lifetime minimum rate for the guaranteed interest option, whichever is greater, to amounts allocated to this account. Currently, the guaranteed lifetime minimum rate is 1.00%. We guarantee to pay the current interest rate that is in effect on the date that your contribution is allocated to this account. That interest rate will apply to that contribution as long as it remains in the account for special dollar cost averaging. The guaranteed interest rate for the time period that you select will be shown in your contract for your initial contribution. We set the interest rates periodically, based on our discretion and according to procedures that we have. We reserve the right to change these procedures. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We will transfer amounts from the account for special dollar cost averaging into the investment options you designate over an available time period that you select. If the special dollar cost averaging program is selected at the time of the application to purchase the contract, a 60 day rate lock will apply from the date of application. Any contribution(s) received during this 60 day period will be credited with the </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">interest rate offered on the date of application for the duration of the special dollar cost averaging time period. Any contribution(s) received after the 60 day rate lock period has ended will be credited with the then current interest rate for the duration of the time period selected. Once the time period you selected has ended, you may select another time period for future contributions. At that time, you may also select a different allocation for transfers to the investment options, or, if you wish, we will continue to use the allocation that you previously made. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Special money market dollar cost averaging </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under the special money market dollar cost averaging program, you may dollar cost average from the account for special money market dollar cost averaging, which is part of the EQ/Money Market variable investment option. We will transfer amounts from the account for special money market dollar cost averaging into the Protected Benefit account variable investment options, the Investment account variable investment options and the guaranteed interest option over an available time period that you select. One of the primary benefits of the special money market dollar cost averaging program is that amounts in the program designated for the Protected Benefit account variable investment options count toward your Guaranteed benefits on the business day you establish the program. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under both Special DCA programs, the following applies: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Initial contributions to a Special DCA program must be at least $2,000; subsequent contributions to an existing Special DCA program must be at least $250; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Subsequent contributions to an existing program do not extend the time period of the program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Contributions into a Special DCA program must be new contributions; you may not make transfers from amounts allocated to other investment options to initiate a Special DCA program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">We offer time periods of 3, 6 or 12 months. We may also offer other time periods. You may only have one time period in effect at any time and once you select a time period, you may not change it; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You can enroll in a Special DCA program on your contract application or at any time after your contract has been issued. A program will become effective on the date we receive your first contribution directing us to allocate funds to the account for special dollar cost averaging or special money market dollar cost averaging as applicable. The date we receive your initial contribution will also be the date of the first transfer to the other variable investment options in accordance with your allocation instructions for the program. Each subsequent transfer date for the time period selected will be one month from the date of the previous transfer. If a transfer date falls on a non-business day, the transfer will be made on the next business day. We will transfer all amounts by the end of the chosen time period for your program. </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:arial">For example, assume you enroll in a 3-month Special DCA program. On the date we receive your initial contribution (say, $60,000) to the program, your program becomes effective and the first transfer of $20,000 is made immediately in accordance with your program’s allocation instructions. The second transfer of $20,000 will be made one month after your first contribution and the third and final transfer of $20,000 will be made two months after your first contribution; </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The only transfers that will be made from your program are your regularly scheduled transfers to the variable investment options. If you request to transfer any other amounts from your program, we will transfer all of the value that you have remaining in the account to the investment options according to the allocation percentages for the Special DCA program that we have on file for you, and your program will terminate; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Contributions to a Special DCA program may be designated for the Protected Benefit account variable investment options, the Investment account variable </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="vertical-align:top">investment options and/or the guaranteed interest option, subject to the following: </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If you want to take advantage of one of our Special DCA programs, 100% of your contribution must be allocated to either the account for special dollar cost averaging or the account for special money market dollar cost averaging. In other words, your contribution cannot be split between the Special DCA program and any other investment options available under the contract. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Up to 25% of your Special DCA program may be designated for the guaranteed interest option, even if such a transfer would result in more than 25% of your Total account value being allocated to the guaranteed interest option. See “Transferring your account value” in “Transferring your money among investment options”; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your instructions for the program must match your allocation instructions on file on the day the program is established. If you change your allocation instructions on file while the Special DCA program is in effect, the ratio of amounts allocated to the Protected Benefit account to amounts allocated to the Investment account will not change. However, amounts will be allocated within each account according to your new instructions; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your Guaranteed benefit base(s) will be increased to reflect any contribution to the Special DCA program that you have instructed us to transfer to the Protected Benefit account variable investment options. The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate (or Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate, if applicable) in effect on your contract will apply immediately to any contribution that is designated to be transferred to the Protected Benefit account variable investment options. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate (or Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate, if applicable) in effect will not be </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt">applied to credits associated with contributions allocated to the Special DCA program that are designated to be transferred to the Protected Benefit account variable investment options; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If we exercise our right to discontinue the acceptance of, and/or place additional limitations on, contributions and transfers into the Protected Benefit account variable investment options, and your Special DCA program has transfers scheduled to the Protected Benefit account variable investment options, the program will continue for its duration. However, subsequent contributions to any Protected Benefit account variable investment options under a Special DCA program will not be permitted; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Except for withdrawals made under our Automatic RMD withdrawal service or our other automated withdrawal programs (systematic withdrawals and substantially equal withdrawals), or for the assessment of contract charges, any unscheduled partial withdrawal from your Special DCA program will terminate your Special DCA program. Any amounts remaining in the account after the program terminates will be transferred to the destination investment options according to your Special DCA program allocation instructions. Any withdrawal which results in a reduction in the Special DCA program amount previously included in your Guaranteed benefit bases will reduce the Guaranteed benefit bases as described in this Prospectus. See “How withdrawals affect your Guaranteed benefits” in this Prospectus; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">For contracts with the GMIB, ATP transfers are not taken out of amounts allocated to a Special DCA program. Please see ‘‘Asset transfer program (‘‘ATP’’)’’; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Generally, you may not elect both a dollar cost averaging program and a rebalancing option. The only exception is if you elect our Investment simplifier program with Option I under our rebalancing programs, which does not rebalance amounts in the guaranteed interest option. See “Rebalancing among your Investment account variable investment options and guaranteed interest option” in “Benefits available under the contract” in this Prospectus to learn more about rebalancing; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">All of the dollar cost averaging programs available under your Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contracts can be selected if you enrolled in our Systematic transfer program. However, no amounts will be transferred out of a Special DCA program as part of the Systematic transfer program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A Special DCA program may not be in effect at the same time as a general dollar cost averaging program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The only dollar cost averaging program available to fund your Guaranteed benefits is a Special DCA program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You may cancel your participation at any time. If you terminate your Special DCA program, we will allocate any remaining amounts in your Special DCA program pursuant to your program allocations on file; </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If you are dollar cost averaging into the Protected Benefit account variable investment options when you decide to drop all Guaranteed benefits (“post-funding drop”), we will default future transfers designated for the Protected Benefit account variable investment options to the corresponding Investment account variable investment options that invest in the same underlying Portfolios. Also, you can cancel your Special DCA program and accelerate all transfers to the corresponding Investment account variable investment options. See “Dropping or changing your Guaranteed benefits” in this Prospectus and Appendix “Dropping or changing your Guaranteed benefits” for more information; and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">We may offer these programs in the future with transfers on a different basis. Your financial professional can provide information in the time periods and interest rates currently available in your state, or you may contact our processing office. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">General dollar cost averaging program </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your value in the EQ/Money Market variable investment option is at least $5,000, you may choose, at any time, to have a specified dollar amount or percentage of your value transferred from that option to any of the Investment account variable investment options. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, including information on the availability of our general dollar cost averaging program, see Appendix “State contract availability and/or variations of certain features and benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can select to have transfers made on a monthly, quarterly or annual basis. The transfer date will be the same calendar day of the month as the contract date, but not later than the 28th day of the month. You can also specify the number of transfers or instruct us to continue making the transfers until all amounts in the EQ/Money Market variable investment option have been transferred out. The minimum amount that we will transfer each time is $250. The instructions for the program may differ from your allocation instructions on file. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If, on any transfer date, your value in the EQ/Money Market variable investment option is equal to or less than the amount you have elected to have transferred, the entire amount will be transferred. The general dollar cost averaging program will then end. You may change the transfer amount once each contract year or cancel this program at any time. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You may not participate in our optional rebalancing programs if you elect the general dollar cost averaging program. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Investment simplifier </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Fixed-dollar option. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">Under this option, you may elect to have a fixed-dollar amount transferred out of the guaranteed interest option and into the Investment account variable investment options of your choice. Transfers may be made on a monthly, quarterly or annual basis. You can specify the number of transfers or instruct us to continue to make transfers until all available amounts in the guaranteed interest option have been transferred out. </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In order to elect the fixed-dollar option, you must have a minimum of $5,000 in the guaranteed interest option on the date we receive your election form at our processing office. The transfer date will be the same calendar day of the month as the contract date but not later than the 28th day of the month. The minimum transfer amount is $50. Also, this option is subject to the guaranteed interest option transfer limitations described under “Transferring your account value” in “Transferring your money among investment options”. While the program is running, any transfer that exceeds those limitations will cause the program to end for that contract year. You will be notified if this occurs. You must send in a request form to resume the program in the next or subsequent contract years. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If, on any transfer date, your value in the guaranteed interest option is equal to or less than the amount you have elected to have transferred, the entire amount will be transferred, provided the transfer complies with the same guaranteed interest option transfer limitations referenced above. If the transfer does not comply with the transfer limitations, the transfer will not be made and the program will end. You may change the transfer amount once each contract year or cancel this program at any time. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Interest sweep option. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">Under this option, you may elect to have monthly transfers from amounts in the guaranteed interest option into the Investment account variable investment options of your choice. The transfer date will be the last business day of the month. The amount we will transfer will be the interest credited to amounts you have in the guaranteed interest option from the last business day of the prior month to the last business day of the current month. You must have at least $7,500 in the guaranteed interest option on the date we receive your election. If the amount in the guaranteed interest option falls below $7,500 at the beginning of the month, no transfer will be made that month. We will automatically cancel the interest sweep program if the amount in the guaranteed interest option is less than $7,500 on the last day of the month for two months in a row. For the interest sweep option, the first monthly transfer will occur on the last business day of the month following the month that we receive your election form at our processing office. Transfers under the Interest sweep option are subject to the guaranteed interest option transfer limitations described under “Transferring your account value” in “Transferring your money among investment options”. </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx37249_35" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Rebalancing among your Investment account variable investment options and guaranteed interest option </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We offer two rebalancing programs that you can use to automatically reallocate your Investment account value among your Investment account variable investment options and the guaranteed interest option. Option I allows you to rebalance your Investment account value among the Investment account variable investment options. Option II allows you to rebalance your Investment account value among the Investment account variable investment options and the guaranteed interest option. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">To enroll in one of our rebalancing programs, you must notify us in writing or through the Equitable Client portal and tell us: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(a)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">the percentage you want invested in each investment option (whole percentages only), and </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(b)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">how often you want the rebalancing to occur (quarterly, semiannually, or annually on a contract year basis). </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Rebalancing will occur on the same day of the month as the contract date. If a contract is established after the 28th, rebalancing will occur on the first business day of the month following the contract date. If you elect quarterly rebalancing, the rebalancing in the last quarter of the contract year will occur on the contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Once it is available, you may elect or terminate the rebalancing program at any time. You may also change your allocations under the program at any time. Once enrolled in the rebalancing program, it will remain in effect until you instruct us in writing to terminate the program. Requesting an investment option transfer while enrolled in our rebalancing program will not automatically change your allocation instructions for rebalancing your account value. This means that upon the next scheduled rebalancing, we will transfer amounts among your investment options pursuant to the allocation instructions previously on file for your program. Changes to your allocation instructions for the rebalancing program (or termination of your enrollment in the program) must be in writing and sent to our processing office. Termination requests can be made online through the Equitable Client portal. See “How to reach us” in “The Company”. There is no charge for the rebalancing feature. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Rebalancing does not assure a profit or protect against loss. You should periodically review your allocation percentages as your needs change. You may want to discuss the rebalancing program with your financial professional before electing the program. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">While your rebalancing program is in effect, we will transfer amounts among the applicable investment options so that the percentage of your Investment account value that you specify is invested in each option at the end of each rebalancing date. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you select Option II, you will be subject to our rules regarding transfers from the guaranteed interest option to the Investment account variable investment options. These rules are described in “Transferring your account value” in "Transferring you money among investment options". Under Option II, a transfer into or out of the guaranteed interest option to initiate the rebalancing program will not be permitted if such transfer would violate these rules. If this occurs, the rebalancing program will not go into effect. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You may not elect Option II if you are participating in any dollar cost averaging program. You may not elect Option I if you are participating in special money market dollar cost averaging or general dollar cost averaging. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Our optional rebalancing programs are not available for amounts allocated to the Protected Benefit account variable investment options. For information about rebalancing among the Protected Benefit account variable investment options, see the section below. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx37249_36" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Rebalancing among your Protected Benefit account variable investment options </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can rebalance your Protected Benefit account value by submitting a request to rebalance as of the date we receive your request, however, scheduled recurring rebalancing is not available. Therefore, any subsequent rebalancing transactions would require a subsequent rebalancing request. Your rebalance request must indicate the percentage you want rebalanced in each investment option (whole percentages only). You can rebalance only to the investment options available in your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When we rebalance your Protected Benefit account, we will transfer amounts among the investment options so that the percentage of your account value in each option at the end of the rebalancing date matches the most recent allocation instructions that we have on file. Rebalancing does not assure a profit or protect against loss, so you should periodically review your allocation percentages as your needs change. Amounts in the ATP Portfolio are excluded from rebalancing. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"> </div> <div id="tx37249_19" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Summary of Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following tables summarize important information about the benefits available under the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Death Benefits</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These death benefits are available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:9pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td> <td style="vertical-align:bottom"></td> <td style="width:6%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:32%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Name of Benefit</div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Purpose</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Standard/</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Optional</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Annual Fee</div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Brief Description of Restrictions/Limitations</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Max</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Current</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Return of Principal Death Benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees beneficiaries will receive a benefit at least equal to your contributions less adjusted withdrawals.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Standard</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Additional<br/> <div style="margin-bottom:1pt; margin-top:0pt; font-size:9pt; font-family:arial;text-align:center">Charge</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Highest Anniversary Value Death Benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Locks in highest adjusted anniversary account value as minimum death benefit.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">0.35%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the RMD Wealth Guard Death Benefit, or the “Greater of” Death Benefit</div></div></div></td></tr> <tr style="font-size:1pt"> <td style="BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="height:1.5pt"></td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="height:1.5pt"></td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">RMD Wealth Guard Death Benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Allows required minimum distributions without reducing the benefit base.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">1.20%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)(2)</div><br/> <div style="margin-bottom:1pt; margin-top:0pt; font-size:9pt; font-family:arial;text-align:center">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)(3)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">0.60%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)(2)</div><br/>1.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)(3)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.166667em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.166667em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the Highest Anniversary Value Death Benefit, or the “Greater of” Death Benefit</div></div></div></td></tr> <tr style="font-size:1pt"> <td style="BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="height:1.5pt"></td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="height:1.5pt"></td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">“Greater of” Death Benefit</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees the beneficiaries will receive at least the greater of the Roll-up benefit base and the Highest Anniversary Value benefit base.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">1.15%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.166667em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the Highest Anniversary Value Death Benefit, or the RMD Wealth Guard Death Benefit</div></div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Expressed as an annual percentage of the benefit base. </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Issue ages 20-64. </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Issue ages 65-68. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Living Benefit</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">This living benefit is available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:34%"></td> <td style="vertical-align:bottom"></td> <td style="width:6%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Name of Benefit</div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Purpose</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Standard/</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Optional</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Annual Fee</div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Brief Description of Restrictions/<br/>Limitations</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Max</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Current</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Guaranteed minimum income benefit (GMIB)</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees a minimum annuitization value to provide lifetime retirement income.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">1.15%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Cannot be elected with the RMD Wealth Guard Death Benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.166667em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Expressed as an annual percentage of the benefit base. </div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Other Benefits</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These other benefits are available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:9pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:37%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:6%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:35%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Name of Benefit</div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Purpose</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Standard/</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Optional</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Annual Fee</div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Brief Description of Restrictions/<br/>Limitations</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Max</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Current</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial">Rebalancing</div><div style="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; font-size:9pt; font-family:arial">Option I<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div> and Option II<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(2)</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Periodically rebalance to your desired asset mix</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Charge</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with DCA</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Account value in the Protected Benefit account cannot be rebalanced</div></div></div></td></tr> <tr style="font-size:1pt"> <td style="BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="height:1.5pt"></td> <td colspan="4" style="BORDER-LEFT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial">Dollar Cost</div><div style="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; font-size:9pt; font-family:arial">Averaging (special DCA, general DCA, and Investment Simplifier)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Transfer account value to selected investment options on a regular basis to potentially reduce the impact of market volatility.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Charge</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with Rebalancing</div></div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Option I allows you to rebalance your Investment account value among the Investment account variable investment options. </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Option II allows you to rebalance your Investment account value among the Investment account variable investment options and the guaranteed interest option. </div></td></tr></table> Return of Principal Death Benefit Guarantees beneficiaries will receive a benefit at least equal to your contributions less adjusted withdrawals. true 0 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div> Highest Anniversary Value Death Benefit Locks in highest adjusted anniversary account value as minimum death benefit. true 0.0035 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the RMD Wealth Guard Death Benefit, or the “Greater of” Death Benefit</div></div></div> RMD Wealth Guard Death Benefit Allows required minimum distributions without reducing the benefit base. true 0.012 0.02 0.006 0.01 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.166667em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.166667em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the Highest Anniversary Value Death Benefit, or the “Greater of” Death Benefit</div></div></div> “Greater of” Death Benefit Guarantees the beneficiaries will receive at least the greater of the Roll-up benefit base and the Highest Anniversary Value benefit base. true 0.023 0.0115 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.166667em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the Highest Anniversary Value Death Benefit, or the RMD Wealth Guard Death Benefit</div></div></div> Guaranteed minimum income benefit (GMIB) Guarantees a minimum annuitization value to provide lifetime retirement income. true 0.023 0.0115 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Cannot be elected with the RMD Wealth Guard Death Benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.166667em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial">Rebalancing</div><div style="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; font-size:9pt; font-family:arial">Option I<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div> and Option II<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(2)</div></div> Periodically rebalance to your desired asset mix true 0 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with DCA</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Account value in the Protected Benefit account cannot be rebalanced</div></div></div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial">Dollar Cost</div><div style="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; font-size:9pt; font-family:arial">Averaging (special DCA, general DCA, and Investment Simplifier)</div> Transfer account value to selected investment options on a regular basis to potentially reduce the impact of market volatility. true 0 <div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with Rebalancing</div></div> <div id="tx37249_73" style="margin-top:0pt; margin-bottom:0pt; font-size:17.5pt; font-family:arial"><div style="font-weight:bold;display:inline;">3.</div> Principal risks of investing in the contract </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The risks identified below are the principal risks of investing in the contract. The contract may be subject to additional risks other than those identified and described in this Prospectus. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx37249_74" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Risks associated with variable investment options </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You take all the investment risk for amounts allocated to one or more of the subaccounts, which invest in Portfolios. If the subaccounts you select increase in value, then your Total account value goes up; if they decrease in value, your Total account value goes down. How much your Total account value goes up or down depends on the performance of the Portfolios in which your subaccounts invest. We do not guarantee the investment results of any Portfolio. An investment in the contract is subject to the risk of poor investment performance, and the value of your investment can vary depending on the performance of the selected Portfolio(s), each of which has its own unique risks. You should review the Portfolios before making an investment decision. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx37249_75" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Insurance company risk </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">No company other than us has any legal responsibility to pay amounts that we owe under the contract including amounts allocated to the guaranteed interest option. The general obligations and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. You should look solely to our financial strength for our claims-paying ability. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx37249_76" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Possible fees on access to total account value </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We may apply fees if you access your Total account value during the accumulation period or surrender your contract. For example, in addition to possible tax consequences, you may incur fees for accessing your Total account value such as a withdrawal charge, transfer fee, third party transfer or exchange fee, annual administrative expense, base contract expense, and/or a charge for any optional benefits. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx37249_77" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Possible adverse tax consequences </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The tax considerations associated with the contract vary and can be complicated. The applicable tax rules can differ, depending on the type of contract, whether NQ, traditional IRA, Roth IRA or QP. The tax consequences discussed in this Prospectus are general in nature and describe only federal income tax law (not state, local, foreign or other federal tax laws). Moreover, the tax aspects that apply to a particular person’s contract may vary depending on the facts applicable to that person. Tax rules may change without notice. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We cannot predict whether, when, or how these rules could change. Any change could affect contracts purchased before the change. Congress may also consider further proposals to comprehensively reform or overhaul the United States tax and retirement systems, which if enacted, could affect the tax benefits of a contract. We cannot predict what, if any, legislation will actually be proposed or enacted. Before making contributions to your contract or taking other action related to your contract, you should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals are generally subject to income tax, and may be subject to tax penalties if taken before age 59<div style="vertical-align:top;display:inline;font-size:9.2px">1</div>⁄<div style="vertical-align:bottom;display:inline;font-size:9.2px">2</div>. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx37249_78" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Not a short-term investment </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle and you should consider whether investing in the contract is consistent with the purpose for which the investment is being considered. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx37249_79" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Risk of loss </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">All investments have risks to some degree and it is possible that you could lose money by investing in the contract. An investment in the contract is not a deposit with a bank and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx37249_79a" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Optional Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Investment options are limited if Guaranteed benefits are elected. Guaranteed benefits are funded through the Protected Benefit account variable investment options and once a withdrawal is taken from the Protected Benefit account, you cannot make additional contributions to the Protected Benefit account. We may limit or stop accepting contributions and transfers to the Protected Benefit account variable investment options which means you may no longer be able to increase your Protected Benefit account value and the benefit bases associated with your Guaranteed benefits through contributions and transfers. Excess withdrawals may terminate or significantly reduce the value of your optional benefits. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="pro37249_79bb" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Contract changes risk </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We may, at any time, exercise our rights to limit or terminate your contributions, allocations and transfers to any of the variable investment options (including the Protected Benefit </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">account variable options). We reserve the right, subject to compliance with laws that apply, to remove variable investment options from the Separate Account, to combine any two or more variable investment options, to restrict or eliminate any voting rights as to the Separate Account, to limit or terminate contributions or transfers into any of the variable investment options, and to limit the number of variable investment options you may select. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You should evaluate whether our ability to make the changes described above, and your ability to react to such changes, are appropriate based on your investment goals. When such changes occur, you should also evaluate whether those changes are appropriate based on your investment goals and, if not, you should evaluate your options under the Contract, which may be limited and may have negative consequences associated with them, as described in this section. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx37249_79b" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Series CP</div><div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="font-family:arial;display:inline;"><div style="font-weight:bold;display:inline;"></div></div><div style="font-weight:bold;display:inline;"> Contracts </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The fees and charges for Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts are higher than for Series B contracts and the amount of the credit may be more than offset by these higher fees and charges. Credits may be recaptured upon free look, annuitization and death. Withdrawals may limit credits for subsequent contributions. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx37249_79c" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Limitations on access to cash value through withdrawals </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals may be subject to withdrawal charges, income tax and may be subject to tax penalties if taken before age 59<div style="vertical-align:top;display:inline;font-size:9.2px">1</div>⁄<div style="vertical-align:bottom;display:inline;font-size:9.2px">2</div>. The minimum partial withdrawal amount is $300. Withdrawals will reduce your Total account value and optional benefit bases and the amount of the reduction may be greater than the dollar amount of the withdrawal. Excess withdrawals may terminate or significantly reduce the value of your optional benefits. Certain withdrawals may also terminate your contract. Withdrawals from Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts may limit credits for subsequent contributions. If you take a withdrawal from the Protected benefit account, you cannot make additional contributions to the Protected benefit account. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="pro37249_16a" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Availability by financial intermediary </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">Some financial intermediaries (e.g., selling broker-dealer firms) may not offer and/or may limit the offering of certain investment options, contract benefits, and other contract features based on issue age or other criteria established by the selling broker-dealer. For example, your financial professional may not recommend a particular investment option or contract benefit to you that is described in this Prospectus. Before you purchase the contract, you should discuss with your financial professional any limitations, restrictions, or other variations related to the investment options, contract benefits or other contract features available to you through your financial professional. If a particular feature that interests you is not recommended through your broker-dealer, you may want to contact us to explore its availability. </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="pro37249_160" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Business disruption, cybersecurity, and artificial intelligence (“AI”) technologies risks </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We rely heavily on technology, including interconnected computer systems and data storage networks and digital </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">communications, to conduct our business. Because our business is highly dependent upon the effective operation of our computer systems and those of our service providers and other business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyberattacks. Cyberattacks may be systemic (e.g., affecting the internet, cloud services, or other infrastructure) or targeted (e.g., failures in or breach of our systems or those of third parties on whom we rely, including ransomware and malware attacks). Cybersecurity risks include, among other things, the loss, theft, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on our websites (or the websites of third parties on whom we rely), other operational disruption and unauthorized release, use or abuse of confidential customer information. The risk of cyberattacks may be higher during periods of geopolitical turmoil. Due to the increasing sophistication of cyberattacks, a cybersecurity breach could occur and persist for an extended period of time without detection. Systems failures and cyberattacks, as well as, any other catastrophic event, including natural and manmade disasters, public health emergencies, pandemic diseases, terrorist attacks, floods or severe storms affecting us, any third-party administrator, the underlying funds, intermediaries and other affiliated or third-party service providers may adversely affect us, our business operations and your account value and interfere with our ability to process contract transactions and calculate account values. Systems failures and cyberattacks may also interfere with our processing of contract transactions, including the processing of orders from our website or with the underlying funds, impact our ability to calculate account values and unit values and/or the underlying funds to be unable to calculate share values, cause the release or possible destruction of confidential customer and/or business information, impede order processing or cause other operational issues, subject us and/or our service providers and intermediaries to regulatory fines, litigation and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the underlying funds invest, which may cause the underlying funds to lose value. The preventative actions we take to reduce the frequency and severity of cybersecurity incidents and protect our computer systems may be insufficient to prevent a cybersecurity breach from impacting our operations or your contract value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid cybersecurity breaches affecting your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The development and deployment of AI tools and technologies, including generative AI, and its use and anticipated use by us or by third parties on whom we rely, may increase our existing operational risks or create new operational risks that we are not currently anticipating. AI and generative AI may be misused by us or by third parties upon which we rely, and that risk is increased by the relative newness of the technology, the speed at which it is being adopted, and the </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">uncertain and evolving policy and regulatory landscape governing its use. Such misuse could expose us to legal or regulatory risk. Because the generative AI technology is so new, many of the potential risks of generative AI are currently unknowable. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In addition, we are also exposed to risks related to natural and man-made disasters, including, but not limited to, the occurrence of any storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts or any other event, which could adversely affect our ability to conduct business. A natural or man-made disaster, including a pandemic such as COVID-19, could result in our workforce, and/or employees of service providers and/or third-party administrators, being compromised and unable or unwilling to fully perform their responsibilities, which could likewise result in interruptions in our service. This could interfere with our processing of contract transactions, including processing orders from owners and orders with the underlying funds, impact our ability to calculate contract value, or have other adverse impacts on our operations. These events may also negatively affect our service providers and intermediaries, the underlying funds and issuers of securities in which the underlying funds invest, which may cause the funds underlying your contract to lose value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid negative impacts associated with natural and man-made disasters. </div> <div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <div id="tx37249_74" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Risks associated with variable investment options </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You take all the investment risk for amounts allocated to one or more of the subaccounts, which invest in Portfolios. If the subaccounts you select increase in value, then your Total account value goes up; if they decrease in value, your Total account value goes down. How much your Total account value goes up or down depends on the performance of the Portfolios in which your subaccounts invest. We do not guarantee the investment results of any Portfolio. An investment in the contract is subject to the risk of poor investment performance, and the value of your investment can vary depending on the performance of the selected Portfolio(s), each of which has its own unique risks. You should review the Portfolios before making an investment decision. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx37249_75" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Insurance company risk </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">No company other than us has any legal responsibility to pay amounts that we owe under the contract including amounts allocated to the guaranteed interest option. The general obligations and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. You should look solely to our financial strength for our claims-paying ability. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx37249_76" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Possible fees on access to total account value </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We may apply fees if you access your Total account value during the accumulation period or surrender your contract. For example, in addition to possible tax consequences, you may incur fees for accessing your Total account value such as a withdrawal charge, transfer fee, third party transfer or exchange fee, annual administrative expense, base contract expense, and/or a charge for any optional benefits. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx37249_77" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Possible adverse tax consequences </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The tax considerations associated with the contract vary and can be complicated. The applicable tax rules can differ, depending on the type of contract, whether NQ, traditional IRA, Roth IRA or QP. The tax consequences discussed in this Prospectus are general in nature and describe only federal income tax law (not state, local, foreign or other federal tax laws). Moreover, the tax aspects that apply to a particular person’s contract may vary depending on the facts applicable to that person. Tax rules may change without notice. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We cannot predict whether, when, or how these rules could change. Any change could affect contracts purchased before the change. Congress may also consider further proposals to comprehensively reform or overhaul the United States tax and retirement systems, which if enacted, could affect the tax benefits of a contract. We cannot predict what, if any, legislation will actually be proposed or enacted. Before making contributions to your contract or taking other action related to your contract, you should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals are generally subject to income tax, and may be subject to tax penalties if taken before age 59<div style="vertical-align:top;display:inline;font-size:9.2px">1</div>⁄<div style="vertical-align:bottom;display:inline;font-size:9.2px">2</div>. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx37249_78" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Not a short-term investment </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle and you should consider whether investing in the contract is consistent with the purpose for which the investment is being considered. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx37249_79" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Risk of loss </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">All investments have risks to some degree and it is possible that you could lose money by investing in the contract. An investment in the contract is not a deposit with a bank and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx37249_79a" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Optional Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Investment options are limited if Guaranteed benefits are elected. Guaranteed benefits are funded through the Protected Benefit account variable investment options and once a withdrawal is taken from the Protected Benefit account, you cannot make additional contributions to the Protected Benefit account. We may limit or stop accepting contributions and transfers to the Protected Benefit account variable investment options which means you may no longer be able to increase your Protected Benefit account value and the benefit bases associated with your Guaranteed benefits through contributions and transfers. Excess withdrawals may terminate or significantly reduce the value of your optional benefits. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="pro37249_79bb" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Contract changes risk </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We may, at any time, exercise our rights to limit or terminate your contributions, allocations and transfers to any of the variable investment options (including the Protected Benefit </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">account variable options). We reserve the right, subject to compliance with laws that apply, to remove variable investment options from the Separate Account, to combine any two or more variable investment options, to restrict or eliminate any voting rights as to the Separate Account, to limit or terminate contributions or transfers into any of the variable investment options, and to limit the number of variable investment options you may select. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You should evaluate whether our ability to make the changes described above, and your ability to react to such changes, are appropriate based on your investment goals. When such changes occur, you should also evaluate whether those changes are appropriate based on your investment goals and, if not, you should evaluate your options under the Contract, which may be limited and may have negative consequences associated with them, as described in this section. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx37249_79b" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Series CP</div><div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="font-family:arial;display:inline;"><div style="font-weight:bold;display:inline;"></div></div><div style="font-weight:bold;display:inline;"> Contracts </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The fees and charges for Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts are higher than for Series B contracts and the amount of the credit may be more than offset by these higher fees and charges. Credits may be recaptured upon free look, annuitization and death. Withdrawals may limit credits for subsequent contributions. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx37249_79c" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Limitations on access to cash value through withdrawals </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals may be subject to withdrawal charges, income tax and may be subject to tax penalties if taken before age 59<div style="vertical-align:top;display:inline;font-size:9.2px">1</div>⁄<div style="vertical-align:bottom;display:inline;font-size:9.2px">2</div>. The minimum partial withdrawal amount is $300. Withdrawals will reduce your Total account value and optional benefit bases and the amount of the reduction may be greater than the dollar amount of the withdrawal. Excess withdrawals may terminate or significantly reduce the value of your optional benefits. Certain withdrawals may also terminate your contract. Withdrawals from Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts may limit credits for subsequent contributions. If you take a withdrawal from the Protected benefit account, you cannot make additional contributions to the Protected benefit account. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="pro37249_16a" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Availability by financial intermediary </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">Some financial intermediaries (e.g., selling broker-dealer firms) may not offer and/or may limit the offering of certain investment options, contract benefits, and other contract features based on issue age or other criteria established by the selling broker-dealer. For example, your financial professional may not recommend a particular investment option or contract benefit to you that is described in this Prospectus. Before you purchase the contract, you should discuss with your financial professional any limitations, restrictions, or other variations related to the investment options, contract benefits or other contract features available to you through your financial professional. If a particular feature that interests you is not recommended through your broker-dealer, you may want to contact us to explore its availability. </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="pro37249_160" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Business disruption, cybersecurity, and artificial intelligence (“AI”) technologies risks </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We rely heavily on technology, including interconnected computer systems and data storage networks and digital </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">communications, to conduct our business. Because our business is highly dependent upon the effective operation of our computer systems and those of our service providers and other business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyberattacks. Cyberattacks may be systemic (e.g., affecting the internet, cloud services, or other infrastructure) or targeted (e.g., failures in or breach of our systems or those of third parties on whom we rely, including ransomware and malware attacks). Cybersecurity risks include, among other things, the loss, theft, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on our websites (or the websites of third parties on whom we rely), other operational disruption and unauthorized release, use or abuse of confidential customer information. The risk of cyberattacks may be higher during periods of geopolitical turmoil. Due to the increasing sophistication of cyberattacks, a cybersecurity breach could occur and persist for an extended period of time without detection. Systems failures and cyberattacks, as well as, any other catastrophic event, including natural and manmade disasters, public health emergencies, pandemic diseases, terrorist attacks, floods or severe storms affecting us, any third-party administrator, the underlying funds, intermediaries and other affiliated or third-party service providers may adversely affect us, our business operations and your account value and interfere with our ability to process contract transactions and calculate account values. Systems failures and cyberattacks may also interfere with our processing of contract transactions, including the processing of orders from our website or with the underlying funds, impact our ability to calculate account values and unit values and/or the underlying funds to be unable to calculate share values, cause the release or possible destruction of confidential customer and/or business information, impede order processing or cause other operational issues, subject us and/or our service providers and intermediaries to regulatory fines, litigation and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the underlying funds invest, which may cause the underlying funds to lose value. The preventative actions we take to reduce the frequency and severity of cybersecurity incidents and protect our computer systems may be insufficient to prevent a cybersecurity breach from impacting our operations or your contract value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid cybersecurity breaches affecting your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The development and deployment of AI tools and technologies, including generative AI, and its use and anticipated use by us or by third parties on whom we rely, may increase our existing operational risks or create new operational risks that we are not currently anticipating. AI and generative AI may be misused by us or by third parties upon which we rely, and that risk is increased by the relative newness of the technology, the speed at which it is being adopted, and the </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">uncertain and evolving policy and regulatory landscape governing its use. Such misuse could expose us to legal or regulatory risk. Because the generative AI technology is so new, many of the potential risks of generative AI are currently unknowable. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In addition, we are also exposed to risks related to natural and man-made disasters, including, but not limited to, the occurrence of any storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts or any other event, which could adversely affect our ability to conduct business. A natural or man-made disaster, including a pandemic such as COVID-19, could result in our workforce, and/or employees of service providers and/or third-party administrators, being compromised and unable or unwilling to fully perform their responsibilities, which could likewise result in interruptions in our service. This could interfere with our processing of contract transactions, including processing orders from owners and orders with the underlying funds, impact our ability to calculate contract value, or have other adverse impacts on our operations. These events may also negatively affect our service providers and intermediaries, the underlying funds and issuers of securities in which the underlying funds invest, which may cause the funds underlying your contract to lose value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid negative impacts associated with natural and man-made disasters. </div> <div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <div id="tx37249_98" style="margin-top:0pt; margin-bottom:0pt; font-size:17.5pt; font-family:arial">Appendix: Investment options available under the contract </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Variable Investment Options </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following is a list of Portfolio Companies available under the contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at www.equitable.com/ICSR#EQH154195. You can request this information at no cost by calling 1-877-522-5035 or by sending an email request to EquitableFunds@dfinsolutions.com. If you elect a Guaranteed benefit, you may only invest in the Portfolios listed in the Protected Benefit account table below. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The current expenses and performance information below reflects fee and expenses of the Portfolios, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Affiliated Portfolio Companies: </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:63%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Current</div></div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;"> Expenses </div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">TYPE</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="font-weight:bold;display:inline;">Portfolio Company — Investment Adviser; </div><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Sub-Adviser(s), as applicable</div></div><div style="font-weight:bold;display:inline;"></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">1 year</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">5 year</div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">10 year</div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT DoubleLine Opportunistic Bond — Equitable Investment Management Group, LLC (“EIMG”); DoubleLine Capital LP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.91</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.25</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.27</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Equity Income — EIMG; Barrow, Hanley, Mewhinney & Strauss, LLC d/b/a Barrow Hanley Global Investors</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.04</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.25</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT GAMCO Mergers & Acquisitions — EIMG; GAMCO Asset Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.29</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.91</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.70</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.38%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT GAMCO Small Company Value — EIMG; GAMCO Asset Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.05</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.82</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.24</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT High Yield Bond — EIMG; AXA Investment Managers US Inc., Post Advisory Group, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.02</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.54</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.92</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Natural Resources — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">28.04</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Real Estate — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.67</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.69</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.28%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Small Cap Value — EIMG; BlackRock Investment Management, LLC, Horizon Kinetics Asset Management LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.23</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.11</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.44</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.19%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/AB Dynamic GrowthΔ — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.89</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.60</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.95%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/AB Dynamic Moderate GrowthΔ — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.13</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.46</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.31</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/AB Small Cap Growth — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.92</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.21</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.43</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Aggressive Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.01</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.17</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/All Asset Growth Allocation — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.25</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.18</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.12</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.28%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/American Century Mid Cap Value — EIMG; American Century Investment Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.72</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.64</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Balanced Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.05</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.68</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Common Stock Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.67</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.30</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.50</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.54%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Conservative Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.32</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.76</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Conservative Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.86</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Core Bond Index(1) — EIMG; SSGA Funds Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.43</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.35</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.70%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Core Plus Bond — EIMG; Brandywine Global Investment Management, LLC, Loomis, Sayles & Company, L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.58</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.68</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Emerging Markets Equity PLUS — EIMG; AllianceBernstein L.P., EARNEST Partners, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.20</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33.46</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.64</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Equity 500 Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.53</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.24</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.79</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.16%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Fidelity Institutional AM® Large Cap — EIMG; FIAM LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.87</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">18.34</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.86</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Franklin Rising Dividends — EIMG; Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.87</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.84</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.50</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Goldman Sachs Mid Cap Value — EIMG; Goldman Sachs Asset Management L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.09</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.22</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.66</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Goldman Sachs Moderate Growth AllocationΔ — EIMG; Goldman Sachs Asset Management L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.02</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.02</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.76%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"><div style="display:inline;"></div> </div></div><div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:63%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;">Current</div></div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Expenses </div></div> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company — Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Sub-Adviser(s),</div> as applicable</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.44</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Intermediate Government Bond(1) — EIMG; SSGA Funds Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.54</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.30</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/International Core Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26.12</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.52</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/International Equity Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31.53</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.91</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Comstock — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.93</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.99</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.71%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Global — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.40</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.59%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Global Real Assets — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.16</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.93</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.11</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Moderate AllocationΔ — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.42</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.29%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Janus Enterprise — EIMG; Janus Henderson Investors US LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.04</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.05</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/JPMorgan Growth Stock — EIMG; J.P. Morgan Investment Management Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.96</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.76</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.43</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/JPMorgan Hedged Equity and Premium Income¥Δ — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.41</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.65</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Large Cap Growth Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.71</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.74</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.51</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.26%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Large Cap Value Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.74</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.04</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.52</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Large Cap Value Managed Volatility† — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.86</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.62</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.69</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Lazard Emerging Markets Equity — EIMG; Lazard Asset Management LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.35</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">42.06</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.84</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Loomis Sayles Growth — EIMG; Loomis, Sayles & Company, L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.03</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.08</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.72</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.87%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS International Growth — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">20.90</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS International Intrinsic Value — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32.95</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.99</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS Mid Cap Focused Growth — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.60</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.09</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS Technology — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.24</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS Utilities Series — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.05</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.65</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.33</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Mid Cap Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.64</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.80</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.42</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.99%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Mid Cap Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.98</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.20%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Moderate Allocation† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.08</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.20</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.12</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Moderate Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.98</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.83</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.67</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Cash/Cash Equivalent</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Money Market* — EIMG; Dreyfus, a division of Mellon Investments Corporation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.67</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.66</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.79</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Global Real Return — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.74</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.52</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Real Return — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.22</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.95</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.24</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Total Return ESG — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.75</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.70</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.14</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Ultra Short Bond — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.80</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.47</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Small Company Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.63</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.57</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.16</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.44%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/T. Rowe Price Health Sciences — EIMG; T. Rowe Price Associates, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.20</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.21</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Ultra Conservative Strategy†# — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.56</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.25</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Value Equity — EIMG; Aristotle Capital Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.91</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.01</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.65</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Wellington Energy — EIMG; Wellington Management Company LLP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.19</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.17</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Equitable Conservative Growth MF/ETF Portfolio — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.03</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Multimanager Aggressive Equity — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.99</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.30</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.47</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Multimanager Technology — EIMG; AllianceBernstein L.P., FIAM LLC, Wellington Management Company LLP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.23</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">25.87</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.46</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">^</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This Portfolio’s annual expenses reflect temporary fee reductions. </div></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">Δ</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">Certain other affiliated Portfolios, as well as unaffiliated Portfolios, may utilize volatility management techniques (including Fund of Fund Portfolios that invest in other Portfolios that utilize volatility management techniques) that differ from the EQ volatility management strategy. Affiliated Portfolios that utilize these volatility management techniques are identified in the chart by a “<div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">Δ</div>”. Any such unaffiliated Portfolio is not identified in the chart. See “Portfolios of the Trusts” for more information regarding volatility management. </div></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">†</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">EQ Managed Volatility Portfolios that include the EQ volatility management strategy as part of their investment objective and/or principal investment strategy, and the EQ/affiliated Fund of Fund Portfolios that invest in Portfolios that use the EQ volatility management strategy, are identified in the chart by a “†“. See “Portfolios of the Trusts” for more information regarding volatility management. </div></div> </td> </tr> </table> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td> </tr> </table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">*</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The Portfolio operates as a “government money market fund.” The Portfolio will invest at least 99.5% of its total assets in U.S. government securities, cash, and/or repurchase agreements that are fully collateralized by U.S. government securities or cash. </div></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">#</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The ATP Portfolio is part of the asset transfer program. You may not directly allocate a contribution to or request a transfer of account value into this investment option. </div></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">¥</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">“<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">J.P. Morgan” and “JPMorgan” are registered trademarks of J.P. Morgan Chase Bank, NA (“JPMC”) and have been licensed for use by Equitable Investment Management Group, LLC. EQ/JPMorgan Hedged Equity and Premium Income Portfolio is not sponsored, endorsed, or promoted by JPMC and JPMC makes no representation regarding the advisability of investing in EQ/JPMorgan Hedged Equity and Premium Income Portfolio.</div></div></div> </div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">Effective on or about June 29, 2026, and subject to shareholder approval, SSGA Funds Management, Inc. will be replaced as a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">sub-adviser</div> to the Portfolio (or an allocated portion thereof) with AllianceBernstein L.P. </div></div> </td> </tr> </table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Unaffiliated Portfolio Companies: </div></div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:66%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Current </div></div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Expenses </div></div> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company — Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;">Sub-Adviser(s), as applicable</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">American Funds Insurance Series® Global Small Capitalization Fund — Capital Research and Management Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.33</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.23%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.96%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">American Funds Insurance Series® New World Fund® — Capital Research and Management Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.07</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">27.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.06%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">American Funds Insurance Series® The Bond Fund of America® — Capital Research and Management Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.98</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.38%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.11%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">BlackRock Global Allocation V.I. Fund — BlackRock Advisors, LLC; BlackRock International Limited, BlackRock (Singapore) Limited</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.01</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.51</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.51%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.33%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">BlackRock Large Cap Focus Growth V.I. Fund — BlackRock Advisors, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.02</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.48</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.19%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Eaton Vance VT Floating-Rate Income Fund — Eaton Vance Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.19</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.94</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.64%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.43%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Fidelity® VIP Mid Cap Portfolio — Fidelity Management and Research Company (FMR)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.80</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.49</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.83%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.31%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Fidelity® VIP Strategic Income Portfolio — Fidelity Management and Research Company (FMR)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.88</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.58</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.79%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Franklin Allocation VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.82</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.60</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.73%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Franklin Income VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.56</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.66%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.30%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Hartford Disciplined Equity HLS Fund — Hartford Funds Management Company, LLC; Wellington Management Company LLP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.09</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.75</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.51%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.90%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Invesco V.I. Diversified Dividend Fund — Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.93</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.44</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.53%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Invesco V.I. Equity and Income Fund — Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.82</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.52</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.68%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.64%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Lord Abbett Bond Debenture Portfolio (VC) — Lord, Abbett & Co. LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.98</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.33</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.10%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.72%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">MFS® Massachusetts Investors Growth Stock Portfolio — Massachusetts Financial Services Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.74%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Nomura VIP Asset Strategy Series — Delaware Management Company; Macquarie Investment Management Global Limited</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.77</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.66</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.07%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.84%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Nomura VIP High Income Series — Delaware Management Company; Nomura Corporate Research and Asset Management Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.17</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.73%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">PIMCO CommodityRealReturn® Strategy Portfolio — Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.29</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">18.85</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.44%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">ProFund VP Biotechnology — ProFund Advisors LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.60</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">34.03</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.50%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Templeton Emerging Markets VIP Fund(1) — Templeton Asset Management Ltd.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.37</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">46.27</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.46%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Templeton Global Bond VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.75</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.73</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.96%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.15%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">VanEck VIP Global Resources Fund — Van Eck Associates Corporation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.32</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">36.17</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.24%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">^</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This Portfolio’s annual expenses reflect temporary fee reductions. </div></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This is the variable investment option’s new name. The variable investment option’s former name is Templeton Developing Markets VIP Fund which may continue to be used in certain documents for a period of time after the date of this prospectus. </div></div> </td> </tr> </table> The following is a list of Portfolio Companies available under the contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at www.equitable.com/ICSR#EQH154195. You can request this information at no cost by calling 1-877-522-5035 or by sending an email request to EquitableFunds@dfinsolutions.com. If you elect a Guaranteed benefit, you may only invest in the Portfolios listed in the Protected Benefit account table below. <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The current expenses and performance information below reflects fee and expenses of the Portfolios, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Affiliated Portfolio Companies: </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:63%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Current</div></div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;"> Expenses </div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">TYPE</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="font-weight:bold;display:inline;">Portfolio Company — Investment Adviser; </div><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Sub-Adviser(s), as applicable</div></div><div style="font-weight:bold;display:inline;"></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">1 year</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">5 year</div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">10 year</div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT DoubleLine Opportunistic Bond — Equitable Investment Management Group, LLC (“EIMG”); DoubleLine Capital LP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.91</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.25</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.27</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Equity Income — EIMG; Barrow, Hanley, Mewhinney & Strauss, LLC d/b/a Barrow Hanley Global Investors</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.04</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.25</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT GAMCO Mergers & Acquisitions — EIMG; GAMCO Asset Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.29</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.91</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.70</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.38%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT GAMCO Small Company Value — EIMG; GAMCO Asset Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.05</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.82</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.24</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT High Yield Bond — EIMG; AXA Investment Managers US Inc., Post Advisory Group, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.02</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.54</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.92</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Natural Resources — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">28.04</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Real Estate — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.67</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.69</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.28%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Small Cap Value — EIMG; BlackRock Investment Management, LLC, Horizon Kinetics Asset Management LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.23</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.11</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.44</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.19%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/AB Dynamic GrowthΔ — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.89</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.60</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.95%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/AB Dynamic Moderate GrowthΔ — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.13</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.46</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.31</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/AB Small Cap Growth — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.92</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.21</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.43</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Aggressive Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.01</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.17</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/All Asset Growth Allocation — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.25</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.18</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.12</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.28%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/American Century Mid Cap Value — EIMG; American Century Investment Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.72</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.64</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Balanced Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.05</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.68</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Common Stock Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.67</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.30</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.50</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.54%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Conservative Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.32</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.76</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Conservative Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.86</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Core Bond Index(1) — EIMG; SSGA Funds Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.43</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.35</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.70%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Core Plus Bond — EIMG; Brandywine Global Investment Management, LLC, Loomis, Sayles & Company, L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.58</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.68</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Emerging Markets Equity PLUS — EIMG; AllianceBernstein L.P., EARNEST Partners, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.20</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33.46</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.64</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Equity 500 Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.53</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.24</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.79</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.16%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Fidelity Institutional AM® Large Cap — EIMG; FIAM LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.87</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">18.34</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.86</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Franklin Rising Dividends — EIMG; Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.87</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.84</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.50</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Goldman Sachs Mid Cap Value — EIMG; Goldman Sachs Asset Management L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.09</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.22</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.66</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Goldman Sachs Moderate Growth AllocationΔ — EIMG; Goldman Sachs Asset Management L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.02</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.02</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.76%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"><div style="display:inline;"></div> </div></div><div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:63%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;">Current</div></div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Expenses </div></div> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company — Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Sub-Adviser(s),</div> as applicable</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.44</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Intermediate Government Bond(1) — EIMG; SSGA Funds Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.54</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.30</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/International Core Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26.12</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.52</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/International Equity Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31.53</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.91</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Comstock — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.93</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.99</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.71%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Global — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.40</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.59%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Global Real Assets — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.16</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.93</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.11</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Moderate AllocationΔ — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.42</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.29%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Janus Enterprise — EIMG; Janus Henderson Investors US LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.04</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.05</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/JPMorgan Growth Stock — EIMG; J.P. Morgan Investment Management Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.96</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.76</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.43</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/JPMorgan Hedged Equity and Premium Income¥Δ — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.41</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.65</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Large Cap Growth Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.71</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.74</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.51</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.26%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Large Cap Value Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.74</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.04</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.52</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Large Cap Value Managed Volatility† — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.86</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.62</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.69</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Lazard Emerging Markets Equity — EIMG; Lazard Asset Management LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.35</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">42.06</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.84</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Loomis Sayles Growth — EIMG; Loomis, Sayles & Company, L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.03</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.08</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.72</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.87%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS International Growth — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">20.90</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS International Intrinsic Value — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32.95</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.99</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS Mid Cap Focused Growth — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.60</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.09</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS Technology — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.24</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS Utilities Series — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.05</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.65</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.33</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Mid Cap Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.64</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.80</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.42</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.99%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Mid Cap Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.98</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.20%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Moderate Allocation† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.08</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.20</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.12</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Moderate Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.98</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.83</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.67</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Cash/Cash Equivalent</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Money Market* — EIMG; Dreyfus, a division of Mellon Investments Corporation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.67</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.66</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.79</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Global Real Return — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.74</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.52</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Real Return — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.22</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.95</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.24</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Total Return ESG — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.75</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.70</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.14</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Ultra Short Bond — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.80</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.47</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Small Company Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.63</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.57</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.16</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.44%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/T. Rowe Price Health Sciences — EIMG; T. Rowe Price Associates, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.20</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.21</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Ultra Conservative Strategy†# — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.56</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.25</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Value Equity — EIMG; Aristotle Capital Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.91</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.01</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.65</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Wellington Energy — EIMG; Wellington Management Company LLP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.19</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.17</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Equitable Conservative Growth MF/ETF Portfolio — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.03</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Multimanager Aggressive Equity — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.99</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.30</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.47</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Multimanager Technology — EIMG; AllianceBernstein L.P., FIAM LLC, Wellington Management Company LLP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.23</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">25.87</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.46</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">^</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This Portfolio’s annual expenses reflect temporary fee reductions. </div></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">Δ</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">Certain other affiliated Portfolios, as well as unaffiliated Portfolios, may utilize volatility management techniques (including Fund of Fund Portfolios that invest in other Portfolios that utilize volatility management techniques) that differ from the EQ volatility management strategy. Affiliated Portfolios that utilize these volatility management techniques are identified in the chart by a “<div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">Δ</div>”. Any such unaffiliated Portfolio is not identified in the chart. See “Portfolios of the Trusts” for more information regarding volatility management. </div></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">†</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">EQ Managed Volatility Portfolios that include the EQ volatility management strategy as part of their investment objective and/or principal investment strategy, and the EQ/affiliated Fund of Fund Portfolios that invest in Portfolios that use the EQ volatility management strategy, are identified in the chart by a “†“. See “Portfolios of the Trusts” for more information regarding volatility management. </div></div> </td> </tr> </table> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td> </tr> </table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">*</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The Portfolio operates as a “government money market fund.” The Portfolio will invest at least 99.5% of its total assets in U.S. government securities, cash, and/or repurchase agreements that are fully collateralized by U.S. government securities or cash. </div></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">#</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The ATP Portfolio is part of the asset transfer program. You may not directly allocate a contribution to or request a transfer of account value into this investment option. </div></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">¥</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">“<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">J.P. Morgan” and “JPMorgan” are registered trademarks of J.P. Morgan Chase Bank, NA (“JPMC”) and have been licensed for use by Equitable Investment Management Group, LLC. EQ/JPMorgan Hedged Equity and Premium Income Portfolio is not sponsored, endorsed, or promoted by JPMC and JPMC makes no representation regarding the advisability of investing in EQ/JPMorgan Hedged Equity and Premium Income Portfolio.</div></div></div> </div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">Effective on or about June 29, 2026, and subject to shareholder approval, SSGA Funds Management, Inc. will be replaced as a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">sub-adviser</div> to the Portfolio (or an allocated portion thereof) with AllianceBernstein L.P. </div></div> </td> </tr> </table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Unaffiliated Portfolio Companies: </div></div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:66%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Current </div></div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Expenses </div></div> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company — Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;">Sub-Adviser(s), as applicable</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">American Funds Insurance Series® Global Small Capitalization Fund — Capital Research and Management Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.33</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.23%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.96%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">American Funds Insurance Series® New World Fund® — Capital Research and Management Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.07</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">27.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.06%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">American Funds Insurance Series® The Bond Fund of America® — Capital Research and Management Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.98</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.38%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.11%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">BlackRock Global Allocation V.I. Fund — BlackRock Advisors, LLC; BlackRock International Limited, BlackRock (Singapore) Limited</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.01</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.51</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.51%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.33%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">BlackRock Large Cap Focus Growth V.I. Fund — BlackRock Advisors, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.02</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.48</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.19%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Eaton Vance VT Floating-Rate Income Fund — Eaton Vance Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.19</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.94</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.64%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.43%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Fidelity® VIP Mid Cap Portfolio — Fidelity Management and Research Company (FMR)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.80</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.49</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.83%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.31%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Fidelity® VIP Strategic Income Portfolio — Fidelity Management and Research Company (FMR)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.88</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.58</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.79%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Franklin Allocation VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.82</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.60</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.73%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Franklin Income VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.56</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.66%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.30%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Hartford Disciplined Equity HLS Fund — Hartford Funds Management Company, LLC; Wellington Management Company LLP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.09</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.75</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.51%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.90%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Invesco V.I. Diversified Dividend Fund — Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.93</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.44</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.53%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Invesco V.I. Equity and Income Fund — Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.82</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.52</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.68%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.64%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Lord Abbett Bond Debenture Portfolio (VC) — Lord, Abbett & Co. LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.98</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.33</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.10%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.72%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">MFS® Massachusetts Investors Growth Stock Portfolio — Massachusetts Financial Services Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.74%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Nomura VIP Asset Strategy Series — Delaware Management Company; Macquarie Investment Management Global Limited</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.77</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.66</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.07%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.84%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Nomura VIP High Income Series — Delaware Management Company; Nomura Corporate Research and Asset Management Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.17</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.73%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">PIMCO CommodityRealReturn® Strategy Portfolio — Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.29</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">18.85</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.44%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">ProFund VP Biotechnology — ProFund Advisors LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.60</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">34.03</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.50%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Templeton Emerging Markets VIP Fund(1) — Templeton Asset Management Ltd.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.37</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">46.27</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.46%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Templeton Global Bond VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.75</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.73</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.96%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.15%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">VanEck VIP Global Resources Fund — Van Eck Associates Corporation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.32</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">36.17</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.24%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">^</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This Portfolio’s annual expenses reflect temporary fee reductions. </div></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This is the variable investment option’s new name. The variable investment option’s former name is Templeton Developing Markets VIP Fund which may continue to be used in certain documents for a period of time after the date of this prospectus. </div></div> </td> </tr> </table> Fixed Income 1290 VT DoubleLine Opportunistic Bond Equitable Investment Management Group, LLC (“EIMG”) DoubleLine Capital LP 0.0091 0.0725 0.0027 0.0212 Equity 1290 VT Equity Income EIMG Barrow, Hanley, Mewhinney & Strauss, LLC d/b/a Barrow Hanley Global Investors 0.0095 0.1304 0.1125 0.0885 Specialty 1290 VT GAMCO Mergers & Acquisitions EIMG GAMCO Asset Management, Inc. 0.0129 0.1591 0.077 0.0538 Equity 1290 VT GAMCO Small Company Value EIMG GAMCO Asset Management, Inc. 0.0105 0.1282 0.1124 0.1077 Fixed Income 1290 VT High Yield Bond EIMG AXA Investment Managers US Inc., Post Advisory Group, LLC 0.0102 0.0754 0.0392 0.0541 Specialty 1290 VT Natural Resources EIMG AllianceBernstein L.P. 0.009 0.2804 0.1606 0.0942 Specialty 1290 VT Real Estate EIMG AllianceBernstein L.P. 0.009 0.0967 0.0269 0.0328 Equity 1290 VT Small Cap Value EIMG BlackRock Investment Management, LLC, Horizon Kinetics Asset Management LLC 0.0123 0.0611 0.1344 0.1119 Asset Allocation EQ/AB Dynamic Growth EIMG AllianceBernstein L.P. 0.0115 0.1489 0.076 0.0695 Asset Allocation EQ/AB Dynamic Moderate Growth EIMG AllianceBernstein L.P. 0.0113 0.1346 0.0631 0.0612 Equity EQ/AB Small Cap Growth EIMG AllianceBernstein L.P. 0.0092 0.0921 0.0343 0.101 Asset Allocation EQ/Aggressive Growth Strategy EIMG 0.0101 0.1217 0.0761 0.0904 Asset Allocation EQ/All Asset Growth Allocation EIMG 0.0125 0.1718 0.0712 0.0828 Equity EQ/American Century Mid Cap Value EIMG American Century Investment Management, Inc. 0.01 0.0872 0.0864 0 Asset Allocation EQ/Balanced Strategy EIMG 0.0097 0.1005 0.0468 0.0608 Equity EQ/Common Stock Index EIMG AllianceBernstein L.P. 0.0067 0.163 0.125 0.1354 Asset Allocation EQ/Conservative Growth Strategy EIMG 0.0097 0.0932 0.0376 0.051 Asset Allocation EQ/Conservative Strategy EIMG 0.0095 0.0786 0.0193 0.0312 Fixed Income EQ/Core Bond Index EIMG SSGA Funds Management, Inc. 0.0062 0.0643 0.0035 0.017 Fixed Income EQ/Core Plus Bond EIMG Brandywine Global Investment Management, LLC, Loomis, Sayles & Company, L.P. 0.0093 0.0858 -0.0068 0.0217 Equity EQ/Emerging Markets Equity PLUS EIMG AllianceBernstein L.P., EARNEST Partners, LLC 0.012 0.3346 0.0464 0.0773 Equity EQ/Equity 500 Index EIMG AllianceBernstein L.P. 0.0053 0.1724 0.1379 0.1416 Equity EQ/Fidelity Institutional AM® Large Cap EIMG FIAM LLC 0.0087 0.1834 0.1386 0 Equity EQ/Franklin Rising Dividends EIMG Franklin Advisers, Inc. 0.0087 0.1184 0.095 0 Equity EQ/Goldman Sachs Mid Cap Value EIMG Goldman Sachs Asset Management L.P. 0.0109 0.0922 0.0966 0 Asset Allocation EQ/Goldman Sachs Moderate Growth Allocation EIMG Goldman Sachs Asset Management L.P. 0.0115 0.1002 0.0502 0.0576 Asset Allocation EQ/Growth Strategy EIMG 0.01 0.1144 0.0661 0.0807 Fixed Income EQ/Intermediate Government Bond EIMG SSGA Funds Management, Inc. 0.0062 0.0554 0.003 0.0115 Equity EQ/International Core Managed Volatility EIMG BlackRock Investment Management, LLC 0.0106 0.2612 0.0752 0.0748 Equity EQ/International Equity Index EIMG AllianceBernstein L.P. 0.0072 0.3153 0.0991 0.0807 Equity EQ/Invesco Comstock EIMG Invesco Advisers, Inc. 0.01 0.1693 0.1499 0.1171 Equity EQ/Invesco Global EIMG Invesco Advisers, Inc. 0.011 0.154 0.0695 0.1059 Specialty EQ/Invesco Global Real Assets EIMG Invesco Advisers, Inc. 0.0116 0.1593 0.0711 0 Asset Allocation EQ/Invesco Moderate Allocation EIMG Invesco Advisers, Inc. 0.0115 0.0942 0.0461 0.0529 Equity EQ/Janus Enterprise EIMG Janus Henderson Investors US LLC 0.0104 0.0805 0.0706 0.1061 Equity EQ/JPMorgan Growth Stock EIMG J.P. Morgan Investment Management Inc. 0.0096 0.1476 0.0943 0.1408 Asset Allocation EQ/JPMorgan Hedged Equity and Premium Income¥ EIMG 0.0115 0.1241 0.0465 0 Equity EQ/Large Cap Growth Index EIMG AllianceBernstein L.P. 0.0071 0.1774 0.1451 0.1726 Equity EQ/Large Cap Value Index EIMG AllianceBernstein L.P. 0.0074 0.1504 0.1052 0.0977 Equity EQ/Large Cap Value Managed Volatility EIMG AllianceBernstein L.P. 0.0086 0.1062 0.0969 0.0956 Equity EQ/Lazard Emerging Markets Equity EIMG Lazard Asset Management LLC 0.0135 0.4206 0.1084 0 Equity EQ/Loomis Sayles Growth EIMG Loomis, Sayles & Company, L.P. 0.0103 0.1308 0.1272 0.1587 Equity EQ/MFS International Growth EIMG Massachusetts Financial Services Company d/b/a MFS Investment Management 0.011 0.209 0.069 0.0961 Equity EQ/MFS International Intrinsic Value EIMG Massachusetts Financial Services Company d/b/a MFS Investment Management 0.0115 0.3295 0.0699 0 Equity EQ/MFS Mid Cap Focused Growth EIMG Massachusetts Financial Services Company d/b/a MFS Investment Management 0.011 0.056 0.0509 0 Specialty EQ/MFS Technology EIMG Massachusetts Financial Services Company d/b/a MFS Investment Management 0.011 0.1624 0.1206 0 Specialty EQ/MFS Utilities Series EIMG Massachusetts Financial Services Company d/b/a MFS Investment Management 0.0105 0.1465 0.0733 0 Equity EQ/Mid Cap Index EIMG AllianceBernstein L.P. 0.0064 0.068 0.0842 0.0999 Equity EQ/Mid Cap Value Managed Volatility EIMG BlackRock Investment Management, LLC 0.0097 0.0498 0.0762 0.082 Asset Allocation EQ/Moderate Allocation EIMG 0.0108 0.102 0.0412 0.0577 Asset Allocation EQ/Moderate Growth Strategy EIMG 0.0098 0.1083 0.0567 0.0708 Cash/Cash Equivalent EQ/Money Market EIMG Dreyfus, a division of Mellon Investments Corporation 0.0067 0.0366 0.0279 0.0173 Fixed Income EQ/PIMCO Global Real Return EIMG Pacific Investment Management Company LLC 0.0274 0.0552 -0.009 0.0248 Fixed Income EQ/PIMCO Real Return EIMG Pacific Investment Management Company LLC 0.0222 0.0795 0.0124 0 Fixed Income EQ/PIMCO Total Return ESG EIMG Pacific Investment Management Company LLC 0.0075 0.087 -0.0014 0 Fixed Income EQ/PIMCO Ultra Short Bond EIMG Pacific Investment Management Company LLC 0.008 0.0447 0.0293 0.0232 Equity EQ/Small Company Index EIMG AllianceBernstein L.P. 0.0063 0.1257 0.0616 0.0944 Specialty EQ/T. Rowe Price Health Sciences EIMG T. Rowe Price Associates, Inc. 0.012 0.1921 0.0362 0 Asset Allocation EQ/Ultra Conservative Strategy EIMG 0.009 0.0656 0.0125 0.0208 Equity EQ/Value Equity EIMG Aristotle Capital Management, LLC 0.0091 0.1101 0.0865 0.0847 Specialty EQ/Wellington Energy EIMG Wellington Management Company LLP 0.0119 0.1217 0.179 0 Asset Allocation Equitable Conservative Growth MF/ETF Portfolio EIMG 0.011 0.1203 0.0495 0.0685 Equity Multimanager Aggressive Equity EIMG AllianceBernstein L.P. 0.0099 0.163 0.1147 0.1566 Specialty Multimanager Technology EIMG AllianceBernstein L.P., FIAM LLC, Wellington Management Company LLP 0.0123 0.2587 0.1246 0.1941 Equity American Funds Insurance Series® Global Small Capitalization Fund Capital Research and Management Company 0.0115 0.1433 0.0023 0.0696 Equity American Funds Insurance Series® New World Fund® Capital Research and Management Company 0.0107 0.2793 0.0506 0.0898 Fixed Income American Funds Insurance Series® The Bond Fund of America® Capital Research and Management Company 0.0072 0.0698 -0.0038 0.0211 Asset Allocation BlackRock Global Allocation V.I. Fund BlackRock Advisors, LLC BlackRock International Limited, BlackRock (Singapore) Limited 0.0101 0.1951 0.0551 0.0733 Equity BlackRock Large Cap Focus Growth V.I. Fund BlackRock Advisors, LLC 0.0102 0.1148 0.1019 0.1598 Specialty Eaton Vance VT Floating-Rate Income Fund Eaton Vance Management 0.0119 0.0394 0.0464 0.0443 Equity Fidelity® VIP Mid Cap Portfolio Fidelity Management and Research Company (FMR) 0.008 0.1149 0.0983 0.1031 Fixed Income Fidelity® VIP Strategic Income Portfolio Fidelity Management and Research Company (FMR) 0.0088 0.0858 0.0279 0.044 Asset Allocation Franklin Allocation VIP Fund Franklin Advisers, Inc. 0.0082 0.126 0.0573 0.0732 Asset Allocation Franklin Income VIP Fund Franklin Advisers, Inc. 0.0072 0.1256 0.0766 0.073 Equity Hartford Disciplined Equity HLS Fund Hartford Funds Management Company, LLC Wellington Management Company LLP 0.0109 0.1375 0.1151 0.129 Equity Invesco V.I. Diversified Dividend Fund Invesco Advisers, Inc. 0.0093 0.1544 0.1053 0.0893 Asset Allocation Invesco V.I. Equity and Income Fund Invesco Advisers, Inc. 0.0082 0.1252 0.0868 0.0864 Fixed Income Lord Abbett Bond Debenture Portfolio (VC) Lord, Abbett & Co. LLC 0.0098 0.0833 0.021 0.0472 Equity MFS® Massachusetts Investors Growth Stock Portfolio Massachusetts Financial Services Company 0.0097 0.0961 0.0974 0.1398 Asset Allocation Nomura VIP Asset Strategy Series Delaware Management Company Macquarie Investment Management Global Limited 0.0077 0.1666 0.0707 0.0784 Fixed Income Nomura VIP High Income Series Delaware Management Company Nomura Corporate Research and Asset Management Inc. 0.0097 0.0717 0.0373 0.0556 Specialty PIMCO CommodityRealReturn® Strategy Portfolio Pacific Investment Management Company LLC 0.0329 0.1885 0.1044 0.0642 Specialty ProFund VP Biotechnology ProFund Advisors LLC 0.016 0.3403 0.095 0.0741 Equity Templeton Emerging Markets VIP Fund Templeton Asset Management Ltd. 0.0137 0.4627 0.0546 0.104 Fixed Income Templeton Global Bond VIP Fund Franklin Advisers, Inc. 0.0075 0.1573 -0.0096 -0.0015 Specialty VanEck VIP Global Resources Fund Van Eck Associates Corporation 0.0132 0.3617 0.1024 0.0806 <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Protected Benefit Account Restrictions </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Amounts you allocate to the Protected Benefit account variable investment options fund your Guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:49%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:50%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td colspan="3" style="BORDER:0.75pt solid #000000; padding-left:8pt; padding-right:2pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Protected Benefit Account Variable Investment Options</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">EQ/AB Dynamic Growth</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="display:inline;">EQ/Goldman Sachs Moderate Growth Allocation</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">EQ/AB Dynamic Moderate Growth</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="display:inline;">EQ/Growth Strategy</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">EQ/Aggressive Growth Strategy</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="display:inline;">EQ/Invesco Moderate Allocation</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">EQ/Balanced Strategy</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="display:inline;">EQ/JPMorgan Hedged Equity and Premium Income</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">EQ/Conservative Growth Strategy</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="display:inline;">EQ/Moderate Growth Strategy</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">EQ/Conservative Strategy</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="display:inline;">EQ/Ultra Conservative Strategy<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1) </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The ATP Portfolio is part of the asset transfer program. You may not directly allocate a contribution to or request a transfer of account value into this investment option. </div></td></tr></table> true true true true true true true true true true true true <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Fixed Investment Options </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following is a list of Fixed investment options currently available under the Contract. We may change the features of the Fixed investment options listed below, offer new Fixed investment options, and terminate existing Fixed investment options. We will provide you with written notice before doing so. If you elect a Guaranteed benefit, you may not invest in the Fixed investment options and may only invest in the Portfolios listed in the Protected Benefit account table above. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See “Fixed investment options” in “Purchasing the contract”<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div>in the Prospectus for a description of the Fixed investment options’ features. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:33%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:32%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum Guaranteed Interest Rate</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Guaranteed interest option</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">N/A</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top">1.00%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Account for special dollar cost averaging</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">3 - 12 months</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top">1.00%</td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following is a list of Fixed investment options currently available under the Contract. We may change the features of the Fixed investment options listed below, offer new Fixed investment options, and terminate existing Fixed investment options. We will provide you with written notice before doing so. If you elect a Guaranteed benefit, you may not invest in the Fixed investment options and may only invest in the Portfolios listed in the Protected Benefit account table above. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See “Fixed investment options” in “Purchasing the contract”<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div>in the Prospectus for a description of the Fixed investment options’ features. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:33%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:32%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum Guaranteed Interest Rate</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Guaranteed interest option</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">N/A</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top">1.00%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Account for special dollar cost averaging</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">3 - 12 months</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top">1.00%</td></tr></table> Guaranteed interest option 0.01 Account for special dollar cost averaging P12M 0.01 <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">FEES AND EXPENSES</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Are There Charges or Adjustments for Early Withdrawals?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> Each series of the contract provides for different withdrawal charge periods and percentages.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series B of the contract within 7 years following your last contribution, you will be assessed a withdrawal charge of up to 7% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $7,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> of the contract within 9 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series L of the contract within 4 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about charges for surrenders and early withdrawals see “Withdrawal charge” in “Charges and expenses” in the Prospectus.</div> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr></table> <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Are There Transaction Charges?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> In addition to withdrawal charges, you may also be charged for other transactions including special requests such as wire transfers, express mail, duplicate contracts, preparing checks, third-party transfers or exchanges; or when you transfer between investment options in excess a certain number.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about transaction charges see “Charges that the Company deducts” in “Charges and expenses” in the Prospectus.</div> </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Are There Ongoing Fees and Expenses?</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> Each series of the contract provides for different ongoing fees and expenses.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">The table below describes the fees and expenses that you may pay <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div>, depending on the investment options and optional benefits you choose. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:4%"></td> <td style="width:15%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:15%"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Minimum</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Maximum</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Base Contract (varies by contract series)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">1.30%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">1.70%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Portfolio Company fees and expenses<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">0.54%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">3.48%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Optional benefits available for an additional charge (for a single optional benefit, if elected)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(3)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">0.35%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">2.30%</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="font-size:1pt"> <td style="height:0.75pt"></td> <td colspan="2" style="height:0.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(1) Expressed as an annual percentage of the daily net assets in the variable investment options..</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(2) Expressed as an annual percentage of daily net assets in the Portfolio. This range is for the year ended December 31, 2025 and could change from year to year.</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(3) Expressed as an annual percentage of the applicable benefit base.</div></div><div></div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div></td></tr></table> <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="display:inline;">Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year,</div></div> based on current charges. This estimate assumes no credits and that you do not take withdrawals from the contract, <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">which could add withdrawal charges that substantially increase costs.</div></div></div></td></tr></table> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:47%"></td> <td style="vertical-align:bottom;width:5%"></td> <td style="width:48%"></td></tr> <tr style="font-size:1pt"> <td style="BORDER-TOP:0.75pt solid #000000;height:3.75pt;background-color:#d8d8d8"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000;height:3.75pt;background-color:#d8d8d8"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Lowest Annual Cost <br/>$1,695</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Highest Annual Cost <br/>$7,633</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Assumes:</div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Investment of $100,000</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">5% annual appreciation</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Least expensive combination of contract series and Portfolio fees and expenses</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No optional benefits</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No sales charges</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No additional contributions, transfers or withdrawals</div></div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Assumes:</div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Investment of $100,000</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">5% annual appreciation</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Most expensive combination of contract series (Series L), optional benefits (GMIB and “Greater of” death benefit”) and Portfolio fees and expenses</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No sales charges</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No additional contributions, transfers or withdrawals</div></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">For additional information about ongoing fees and expenses see “Fee Table” in the Prospectus.</td></tr></table> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> Each series of the contract provides for different withdrawal charge periods and percentages.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series B of the contract within 7 years following your last contribution, you will be assessed a withdrawal charge of up to 7% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $7,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> of the contract within 9 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series L of the contract within 4 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about charges for surrenders and early withdrawals see “Withdrawal charge” in “Charges and expenses” in the Prospectus.</div> 7 0.07 7000 9 0.08 8000 4 0.08 8000 <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> In addition to withdrawal charges, you may also be charged for other transactions including special requests such as wire transfers, express mail, duplicate contracts, preparing checks, third-party transfers or exchanges; or when you transfer between investment options in excess a certain number.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about transaction charges see “Charges that the Company deducts” in “Charges and expenses” in the Prospectus.</div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Are There Ongoing Fees and Expenses?</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> Each series of the contract provides for different ongoing fees and expenses.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">The table below describes the fees and expenses that you may pay <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div>, depending on the investment options and optional benefits you choose. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:4%"></td> <td style="width:15%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:15%"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Minimum</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Maximum</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Base Contract (varies by contract series)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">1.30%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">1.70%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Portfolio Company fees and expenses<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">0.54%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">3.48%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Optional benefits available for an additional charge (for a single optional benefit, if elected)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(3)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">0.35%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">2.30%</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="font-size:1pt"> <td style="height:0.75pt"></td> <td colspan="2" style="height:0.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(1) Expressed as an annual percentage of the daily net assets in the variable investment options..</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(2) Expressed as an annual percentage of daily net assets in the Portfolio. This range is for the year ended December 31, 2025 and could change from year to year.</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(3) Expressed as an annual percentage of the applicable benefit base.</div></div><div></div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div></td></tr></table> 0.013 0.017 0.0054 0.0348 0.0035 0.023 Expressed as an annual percentage of the daily net assets in the variable investment options.. Expressed as an annual percentage of daily net assets in the Portfolio. This range is for the year ended December 31, 2025 and could change from year to year. Expressed as an annual percentage of the applicable benefit base. <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="display:inline;">Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year,</div></div> based on current charges. This estimate assumes no credits and that you do not take withdrawals from the contract, <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">which could add withdrawal charges that substantially increase costs.</div></div></div></td></tr></table> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:47%"></td> <td style="vertical-align:bottom;width:5%"></td> <td style="width:48%"></td></tr> <tr style="font-size:1pt"> <td style="BORDER-TOP:0.75pt solid #000000;height:3.75pt;background-color:#d8d8d8"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000;height:3.75pt;background-color:#d8d8d8"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Lowest Annual Cost <br/>$1,695</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Highest Annual Cost <br/>$7,633</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Assumes:</div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Investment of $100,000</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">5% annual appreciation</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Least expensive combination of contract series and Portfolio fees and expenses</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No optional benefits</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No sales charges</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No additional contributions, transfers or withdrawals</div></div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Assumes:</div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Investment of $100,000</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">5% annual appreciation</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Most expensive combination of contract series (Series L), optional benefits (GMIB and “Greater of” death benefit”) and Portfolio fees and expenses</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No sales charges</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No additional contributions, transfers or withdrawals</div></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">For additional information about ongoing fees and expenses see “Fee Table” in the Prospectus.</td></tr></table> 1695 7633 <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">RISKS</div></td></tr></table> <div style="margin-top: 0px; margin-bottom: 0px;"> </div> <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Is There a Risk of Loss from Poor Performance?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> The contract is subject to the risk of loss. You could lose some or all of your account value depending on the investment options you choose.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about the risk of loss see “Principal risks of investing in the Contract” in the Prospectus.</div> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Is this a Short-Term Investment?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">No.</div></div> The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle. A withdrawal charge may apply in certain circumstances and any withdrawals may also be subject to federal and state income taxes and tax penalties.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about the investment profile of the contract see “Fee Table” in the Prospectus.</div> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">What Are the Risks Associated with the Investment Options?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">An investment in the contract is subject to the risk of poor investment performance and can vary depending on the performance of the variable investment options available under the contract, (e.g., the Portfolios). Each investment option, including the guaranteed interest option, has its own unique risks. You should review the investment options available under the contract before making an investment decision.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about the risks associated with investment options see “Variable investment options”, “Fixed investment options” and “Portfolios of the Trusts” in ”Purchasing the Contract” in the Prospectus. See also Appendix “Investment options available under the contract” in the Prospectus.</div> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">What Are the Risks Related to the Insurance Company?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">An investment in the contract is subject to the risks related to the Company. The Company is solely responsible to the contract owner for the contract’s account value and the Guaranteed benefits. The general obligations, including the fixed investment options, and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. An owner should look solely to our financial strength for our claims-paying ability. More information about the Company, including our financial strength ratings, may be obtained at https://equitable.com/about-us/financial-strength-ratings.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about insurance company risks see “About the general account” in “More information” in the Prospectus.</div> </td></tr></table> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> The contract is subject to the risk of loss. You could lose some or all of your account value depending on the investment options you choose.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about the risk of loss see “Principal risks of investing in the Contract” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">No.</div></div> The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle. A withdrawal charge may apply in certain circumstances and any withdrawals may also be subject to federal and state income taxes and tax penalties.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about the investment profile of the contract see “Fee Table” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">An investment in the contract is subject to the risk of poor investment performance and can vary depending on the performance of the variable investment options available under the contract, (e.g., the Portfolios). Each investment option, including the guaranteed interest option, has its own unique risks. You should review the investment options available under the contract before making an investment decision.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about the risks associated with investment options see “Variable investment options”, “Fixed investment options” and “Portfolios of the Trusts” in ”Purchasing the Contract” in the Prospectus. See also Appendix “Investment options available under the contract” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">An investment in the contract is subject to the risks related to the Company. The Company is solely responsible to the contract owner for the contract’s account value and the Guaranteed benefits. The general obligations, including the fixed investment options, and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. An owner should look solely to our financial strength for our claims-paying ability. More information about the Company, including our financial strength ratings, may be obtained at https://equitable.com/about-us/financial-strength-ratings.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about insurance company risks see “About the general account” in “More information” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> We may, at any time, exercise our rights to limit or terminate your contributions, allocations and transfers to any of the variable investment options (including the Protected Benefit account variable investment options) and to limit the number of variable investment options which you may select. Such rights include, among others, removing or substituting the Portfolios, combining any two or more variable investment options and transferring account value from any variable investment option to another variable investment option.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">Credits under Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts may be recaptured upon free look, annuitization, and death.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">There are restrictions regarding investment options if Guaranteed benefits are elected, limits on contributions and transfers into and out of the guaranteed interest option, and restrictions or limitations with Special DCA programs. See “Allocating your contributions” in “Purchasing the Contract” and “Transferring your account value” in “Transferring your money among investment options” in the Prospectus for more information.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">For more information see “About The Separate Account” in “More information” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for any transfers in excess of 12 per contract year. We will provide you with advance notice if we decide to assess the transfer charge, which will never exceed $35 per transfer.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">Contributions and transfers into and out of the guaranteed interest option are limited.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about restrictions on the investment options, see “Transfer charge” in “Charges and expenses”, “Portfolios of the Trusts” and “Guaranteed Interest Option” in “Purchasing the Contract” and “Transferring your money among investment options” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> At any time, we have the right to limit or terminate your contributions, allocations and transfers to any of the variable investment options. If you have one or more Guaranteed benefits (which are also known as optional benefits) and we exercise our right to discontinue the acceptance of, and/or place additional limitations on, contributions to the contract and/or contributions and/ or transfers into the Protected Benefit account variable investment options, you may no longer be able to fund your Guaranteed benefit(s).</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">Investment options are limited if Guaranteed benefits are elected. Withdrawals that exceed limits specified by the terms of an optional benefit may affect the availability of the benefit by reducing the benefit by an amount greater than the value withdrawn, and/or could terminate the benefit.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">The standard and optional death benefits offered with the contract are available only at contract purchase. Withdrawals could significantly reduce or terminate the death benefit.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about the optional benefits see “How you can purchase and contribute to your contract” in “Purchasing the Contract” in the Prospectus. See also “Death Benefits” and “Living Benefits” in “Benefits available under the contract” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">You should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the contract. There is no additional tax benefit to you if the contract is purchased through a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">tax-qualified</div> plan or individual retirement account (IRA). Withdrawals will be subject to ordinary income tax and may be subject to tax penalties. Generally, you are not taxed until you make a withdrawal from the contract.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about tax implications see “Tax information” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">Some financial professionals may receive compensation for selling the contract to you, both in the form of commissions or in the form of contribution-based compensation. Financial professionals may also receive additional compensation for enhanced marketing opportunities and other services (commonly referred to as “marketing allowances”). This conflict of interest may influence the financial professional to recommend this contract over another investment.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about compensation to financial professionals see “Distribution of the contracts” in “More information” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">Some financial professionals may have a financial incentive to offer a new contract in place of the one you already own. You should only exchange your contract if you determine, after comparing the features, fees, and risks of both contracts, as well as any fees or penalties to terminate your existing contract, that it is preferable to purchase the new contract rather than continue to own your existing contract.</div> <div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about exchanges see “Charge for third-party transfer or exchange” in “Charges and expenses” in the Prospectus.</div> <div id="tx65698_103" style="margin-top:0pt; margin-bottom:0pt; font-size:17.5pt; font-family:arial">Fee Table </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:42pt"> </div> <div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The following tables describe the fees and expenses that you will pay when buying, owning, surrendering or making withdrawals from an investment option or from the contract. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</div></div> </div> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The first table describes fees and expenses that you will pay at the time that you buy the contract, surrender or make withdrawals from an investment option or the contract, or transfer account value between investment options. Charges designed to approximate certain taxes that may be imposed on us, such as premium taxes in your state, may also apply.</div></div> </div> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:85%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="7" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Transaction Expenses</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:67%"></td> <td style="vertical-align:bottom;width:4%"></td> <td></td> <td style="vertical-align:bottom;width:5%"></td> <td></td> <td style="vertical-align:bottom;width:5%"></td> <td></td> <td style="vertical-align:bottom;width:4%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 1px solid rgb(0, 0, 0); display: table-cell; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Series B</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 1px solid rgb(0, 0, 0); display: table-cell; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 1px solid rgb(0, 0, 0); display: table-cell; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Series L</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Sales Load Imposed on Purchases (as a percentage of purchase payments)</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Withdrawal Charge (as a percentage of contributions withdrawn)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Transfer Fee<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Third Party Transfer or Exchange Fee<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(3)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Special Service Charges<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates if you make a withdrawal, surrender your contract to receive its cash value, or, if offered, surrender your contract to apply your cash value to a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-life</div> contingent annuity payment option. </div></div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:29%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000;vertical-align:top"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="19" style="BORDER-TOP:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">charge as a % of contribution for each year following contribution</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10+</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series B</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">4%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Series L</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">8%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">7%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">6%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">5%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <div style="margin-top: 0px; margin-bottom: 0px;"> </div> <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for transfers in excess of 12 transfers per contract year. We will charge no more than $35 for each transfer at the time each transfer is processed. See “Transfer charge” under “Charges that the Company deducts” in “Charges and expenses”. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <div style="margin-top: 0px; margin-bottom: 0px;"> </div> <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Currently, we do not charge for third party transfers or exchanges. However, we reserve the right to discontinue this waiver at any time, with or without notice. The maximum third party transfer or exchange fee is $125. The current charge (which, as described above is waived) is $65. The sum of these charges will never exceed 2% of the amount disbursed or transferred. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <div style="margin-top: 0px; margin-bottom: 0px;"> </div> <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Special service charges include (1) express mail charge; (2) wire transfer charge; (3) duplicate contract charge; and (4) check preparation charge. The current maximum charge for each service is $90. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The next table describes the fees and expenses that you will pay </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> during the time that you own the contract (not including Portfolio fees and expenses). If you choose to purchase an optional benefit, you will pay additional charges, as shown below.</div></div> </div> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:89%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="5" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Annual Annuity Expenses</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:45%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.5px;"></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> <td style="white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div></td> <td style="white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr> <tr style="font-size:1pt"> <td style="height:1.5pt"></td> <td colspan="2" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Administrative Expenses<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:1.5pt"></td> <td colspan="2" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Base Contract Expenses (as a percentage of daily net assets in the variable investment options)</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.30%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.65%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.70%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:1.5pt"></td> <td colspan="2" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;">Optional Benefits Expenses</div> (as a percentage of the benefit base)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)(3)</div>:</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">Guaranteed minimum death benefit charges</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="font-size:1pt"> <td style="height:1.5pt"></td> <td colspan="2" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">Return of Principal death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">No additional charge</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">No additional charge</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">No additional charge</td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:1.5pt"></td> <td colspan="2" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">Highest Anniversary Value death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0.35%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0.35%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0.35%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:1.5pt"></td> <td colspan="2" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">RMD Wealth Guard death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.80%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.80%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.80%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:1.5pt"></td> <td colspan="2" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">“Greater of” death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">Guaranteed minimum income benefit charge</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(6)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(6)</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(6)</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The annual administrative charge is deducted from your account value on each contract date anniversary. If the contract is surrendered or annuitized or a death benefit is paid on any date other than the contract date anniversary, we will deduct a pro rata portion of the administrative charge for that year. If your account value on a contract date anniversary is $50,000 or more there is no charge. During the first two contract years this charge, if applicable, is equal to the lesser of $30 or 2% of your Total account value. Thereafter, the charge, if applicable, is $30 for each contract year. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2) </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The benefit base is not an account value or cash value. Your initial benefit base is equal to your initial contribution or transfer to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for transfers to the Protected Benefit account variable investment options. For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div> contracts, your initial benefit base does not include the credit. Subsequent adjustments to the applicable benefit base and the investment performance of the Protected Benefit account may result in a benefit base that is significantly different from your total contributions or future transfers to, or account value in, the Protected Benefit account. See “Guaranteed minimum death benefits” and “Guaranteed minimum income benefit” in “Benefits available under the contract”. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">If the contract is surrendered or annuitized, or a death benefit is paid, or the benefit is dropped (if applicable), on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 0.90%. We reserve the right to increase or decrease this charge at any time after your second contract date anniversary. See “RMD Wealth Guard death benefit charge” in “Charges and expenses”. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(5)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.15%. We reserve the right to increase or decrease this charge at any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” and “Greater of death benefit” in “Charges and expenses”. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(6)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.15% of the GMIB benefit base in effect on each contract date anniversary. If you have this benefit, but do not fund it until after your contract date anniversary, we will deduct the full charge on the contract date anniversary following the date on which you fund the benefit. We reserve the right to increase the charge for this benefit up to a maximum of 2.30%. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” in “Charges and expenses”. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The next item shows the minimum and maximum total operating expenses charged by the underlying Portfolios that you may pay periodically during the time that you own the contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of Portfolios available under the contract, including their annual expenses, may be found at the back of this document. See Appendix “Investment options available under the contract.”</div></div> </div> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:78%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;"><div style="display:inline;">Annual Portfolio Expenses</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.5px;"></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="display:inline;">Minimum</div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="display:inline;">Maximum</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="display:inline;">Annual Portfolio Expenses prior to Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(*)</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom;text-align:center"><div style="display:inline;">0.54%</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom;text-align:center"><div style="display:inline;">3.48%</div></td></tr> <tr style="font-size:1pt"> <td style="height:9.75pt"></td> <td colspan="2" style="height:9.75pt"></td> <td colspan="2" style="height:9.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Annual Portfolio Expenses after Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(*)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;">0.53%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;">3.29%</div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(*)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">“Annual Portfolio Expenses” are based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025. Pursuant to a contract, Equitable Investment Management Group, LLC has agreed to make payments or waive its management, administrative and other fees to limit the expenses of certain affiliated Portfolios through April 30, 2027 (“Expense Limitation Arrangement”) (unless the Trust’s Board of Trustees consents to an earlier revision or termination of this agreement). The Expense Limitation Arrangement may be terminated by Equitable Investment Management Group, LLC at any time after April 30, 2027. The Expense Limitation Arrangement does not apply to unaffiliated Portfolios. </div></div></td></tr></table> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Examples </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples are intended to help you compare the cost of investing in the variable investment options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume that you invest $100,000 in the variable investment options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Portfolio expenses, as well as the “Greater of” death benefit and GMIB (both at their maximum charge).</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:43%"></td> <td style="vertical-align:bottom;width:4%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;">If you surrender your contract or annuitize</div><br/><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">(under a non-life option)</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;">at the end of the applicable time period</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you do not surrender your contract</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 Year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 Year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesB</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">48,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">25,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">43,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesL</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesCP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></div></div><div style="line-height: normal;"></div><div style="line-height: normal;"></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">50,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The following tables describe the fees and expenses that you will pay when buying, owning, surrendering or making withdrawals from an investment option or from the contract. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</div></div> </div> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The first table describes fees and expenses that you will pay at the time that you buy the contract, surrender or make withdrawals from an investment option or the contract, or transfer account value between investment options. Charges designed to approximate certain taxes that may be imposed on us, such as premium taxes in your state, may also apply.</div></div> </div> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:85%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="7" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Transaction Expenses</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:67%"></td> <td style="vertical-align:bottom;width:4%"></td> <td></td> <td style="vertical-align:bottom;width:5%"></td> <td></td> <td style="vertical-align:bottom;width:5%"></td> <td></td> <td style="vertical-align:bottom;width:4%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 1px solid rgb(0, 0, 0); display: table-cell; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Series B</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 1px solid rgb(0, 0, 0); display: table-cell; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 1px solid rgb(0, 0, 0); display: table-cell; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Series L</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Sales Load Imposed on Purchases (as a percentage of purchase payments)</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Withdrawal Charge (as a percentage of contributions withdrawn)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Transfer Fee<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Third Party Transfer or Exchange Fee<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(3)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Special Service Charges<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates if you make a withdrawal, surrender your contract to receive its cash value, or, if offered, surrender your contract to apply your cash value to a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-life</div> contingent annuity payment option. </div></div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:29%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000;vertical-align:top"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="19" style="BORDER-TOP:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">charge as a % of contribution for each year following contribution</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10+</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series B</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">4%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Series L</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">8%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">7%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">6%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">5%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <div style="margin-top: 0px; margin-bottom: 0px;"> </div> <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for transfers in excess of 12 transfers per contract year. We will charge no more than $35 for each transfer at the time each transfer is processed. See “Transfer charge” under “Charges that the Company deducts” in “Charges and expenses”. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <div style="margin-top: 0px; margin-bottom: 0px;"> </div> <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Currently, we do not charge for third party transfers or exchanges. However, we reserve the right to discontinue this waiver at any time, with or without notice. The maximum third party transfer or exchange fee is $125. The current charge (which, as described above is waived) is $65. The sum of these charges will never exceed 2% of the amount disbursed or transferred. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <div style="margin-top: 0px; margin-bottom: 0px;"> </div> <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Special service charges include (1) express mail charge; (2) wire transfer charge; (3) duplicate contract charge; and (4) check preparation charge. The current maximum charge for each service is $90. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. </div></td></tr></table> 0 0 0 0.07 0.08 0.08 35 35 35 125 125 125 90 90 90 <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates if you make a withdrawal, surrender your contract to receive its cash value, or, if offered, surrender your contract to apply your cash value to a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-life</div> contingent annuity payment option. </div></div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:29%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000;vertical-align:top"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="19" style="BORDER-TOP:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">charge as a % of contribution for each year following contribution</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10+</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series B</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">4%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Series L</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">8%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">7%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">6%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">5%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td></tr></table> Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for transfers in excess of 12 transfers per contract year. We will charge no more than $35 for each transfer at the time each transfer is processed. See “Transfer charge” under “Charges that the Company deducts” in “Charges and expenses”. Currently, we do not charge for third party transfers or exchanges. However, we reserve the right to discontinue this waiver at any time, with or without notice. The maximum third party transfer or exchange fee is $125. The current charge (which, as described above is waived) is $65. The sum of these charges will never exceed 2% of the amount disbursed or transferred. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. Special service charges include (1) express mail charge; (2) wire transfer charge; (3) duplicate contract charge; and (4) check preparation charge. The current maximum charge for each service is $90. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The next table describes the fees and expenses that you will pay </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> during the time that you own the contract (not including Portfolio fees and expenses). If you choose to purchase an optional benefit, you will pay additional charges, as shown below.</div></div> </div> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:89%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="5" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Annual Annuity Expenses</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:45%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.5px;"></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> <td style="white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div></td> <td style="white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr> <tr style="font-size:1pt"> <td style="height:1.5pt"></td> <td colspan="2" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Administrative Expenses<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:1.5pt"></td> <td colspan="2" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Base Contract Expenses (as a percentage of daily net assets in the variable investment options)</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.30%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.65%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.70%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:1.5pt"></td> <td colspan="2" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;">Optional Benefits Expenses</div> (as a percentage of the benefit base)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)(3)</div>:</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">Guaranteed minimum death benefit charges</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="font-size:1pt"> <td style="height:1.5pt"></td> <td colspan="2" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">Return of Principal death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">No additional charge</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">No additional charge</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">No additional charge</td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:1.5pt"></td> <td colspan="2" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">Highest Anniversary Value death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0.35%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0.35%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0.35%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:1.5pt"></td> <td colspan="2" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">RMD Wealth Guard death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.80%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.80%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.80%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="font-size:1pt"> <td style="height:1.5pt"></td> <td colspan="2" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td> <td colspan="4" style="height:1.5pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 4em; font-size: 10pt; font-family: arial; line-height: normal;">“Greater of” death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">Guaranteed minimum income benefit charge</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(6)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(6)</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(6)</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The annual administrative charge is deducted from your account value on each contract date anniversary. If the contract is surrendered or annuitized or a death benefit is paid on any date other than the contract date anniversary, we will deduct a pro rata portion of the administrative charge for that year. If your account value on a contract date anniversary is $50,000 or more there is no charge. During the first two contract years this charge, if applicable, is equal to the lesser of $30 or 2% of your Total account value. Thereafter, the charge, if applicable, is $30 for each contract year. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2) </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The benefit base is not an account value or cash value. Your initial benefit base is equal to your initial contribution or transfer to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for transfers to the Protected Benefit account variable investment options. For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div> contracts, your initial benefit base does not include the credit. Subsequent adjustments to the applicable benefit base and the investment performance of the Protected Benefit account may result in a benefit base that is significantly different from your total contributions or future transfers to, or account value in, the Protected Benefit account. See “Guaranteed minimum death benefits” and “Guaranteed minimum income benefit” in “Benefits available under the contract”. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">If the contract is surrendered or annuitized, or a death benefit is paid, or the benefit is dropped (if applicable), on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 0.90%. We reserve the right to increase or decrease this charge at any time after your second contract date anniversary. See “RMD Wealth Guard death benefit charge” in “Charges and expenses”. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(5)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.15%. We reserve the right to increase or decrease this charge at any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” and “Greater of death benefit” in “Charges and expenses”. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(6)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.15% of the GMIB benefit base in effect on each contract date anniversary. If you have this benefit, but do not fund it until after your contract date anniversary, we will deduct the full charge on the contract date anniversary following the date on which you fund the benefit. We reserve the right to increase the charge for this benefit up to a maximum of 2.30%. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” in “Charges and expenses”. </div></td></tr></table> 30 30 30 0.013 0.0165 0.017 0 0 0 0.0035 0.0035 0.0035 0.018 0.018 0.018 0.023 0.023 0.023 0.023 0.023 0.023 The annual administrative charge is deducted from your account value on each contract date anniversary. If the contract is surrendered or annuitized or a death benefit is paid on any date other than the contract date anniversary, we will deduct a pro rata portion of the administrative charge for that year. If your account value on a contract date anniversary is $50,000 or more there is no charge. During the first two contract years this charge, if applicable, is equal to the lesser of $30 or 2% of your Total account value. Thereafter, the charge, if applicable, is $30 for each contract year. <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2) </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The benefit base is not an account value or cash value. Your initial benefit base is equal to your initial contribution or transfer to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for transfers to the Protected Benefit account variable investment options. For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div> contracts, your initial benefit base does not include the credit. Subsequent adjustments to the applicable benefit base and the investment performance of the Protected Benefit account may result in a benefit base that is significantly different from your total contributions or future transfers to, or account value in, the Protected Benefit account. See “Guaranteed minimum death benefits” and “Guaranteed minimum income benefit” in “Benefits available under the contract”. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">If the contract is surrendered or annuitized, or a death benefit is paid, or the benefit is dropped (if applicable), on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 0.90%. We reserve the right to increase or decrease this charge at any time after your second contract date anniversary. See “RMD Wealth Guard death benefit charge” in “Charges and expenses”. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(5)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.15%. We reserve the right to increase or decrease this charge at any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” and “Greater of death benefit” in “Charges and expenses”. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(6)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.15% of the GMIB benefit base in effect on each contract date anniversary. If you have this benefit, but do not fund it until after your contract date anniversary, we will deduct the full charge on the contract date anniversary following the date on which you fund the benefit. We reserve the right to increase the charge for this benefit up to a maximum of 2.30%. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” in “Charges and expenses”. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The next item shows the minimum and maximum total operating expenses charged by the underlying Portfolios that you may pay periodically during the time that you own the contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of Portfolios available under the contract, including their annual expenses, may be found at the back of this document. See Appendix “Investment options available under the contract.”</div></div> </div> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:78%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;"><div style="display:inline;">Annual Portfolio Expenses</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.5px;"></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="display:inline;">Minimum</div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="display:inline;">Maximum</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="display:inline;">Annual Portfolio Expenses prior to Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(*)</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom;text-align:center"><div style="display:inline;">0.54%</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom;text-align:center"><div style="display:inline;">3.48%</div></td></tr> <tr style="font-size:1pt"> <td style="height:9.75pt"></td> <td colspan="2" style="height:9.75pt"></td> <td colspan="2" style="height:9.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Annual Portfolio Expenses after Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(*)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;">0.53%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;">3.29%</div></td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(*)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">“Annual Portfolio Expenses” are based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025. Pursuant to a contract, Equitable Investment Management Group, LLC has agreed to make payments or waive its management, administrative and other fees to limit the expenses of certain affiliated Portfolios through April 30, 2027 (“Expense Limitation Arrangement”) (unless the Trust’s Board of Trustees consents to an earlier revision or termination of this agreement). The Expense Limitation Arrangement may be terminated by Equitable Investment Management Group, LLC at any time after April 30, 2027. The Expense Limitation Arrangement does not apply to unaffiliated Portfolios. </div></div></td></tr></table> Annual Portfolio Expenses prior to Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses) 0.0054 0.0348 Annual Portfolio Expenses after Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses) 0.0053 0.0329 “Annual Portfolio Expenses” are based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025. Pursuant to a contract, Equitable Investment Management Group, LLC has agreed to make payments or waive its management, administrative and other fees to limit the expenses of certain affiliated Portfolios through April 30, 2027 (“Expense Limitation Arrangement”) (unless the Trust’s Board of Trustees consents to an earlier revision or termination of this agreement). The Expense Limitation Arrangement may be terminated by Equitable Investment Management Group, LLC at any time after April 30, 2027. The Expense Limitation Arrangement does not apply to unaffiliated Portfolios. <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Examples </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples are intended to help you compare the cost of investing in the variable investment options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume that you invest $100,000 in the variable investment options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Portfolio expenses, as well as the “Greater of” death benefit and GMIB (both at their maximum charge).</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:43%"></td> <td style="vertical-align:bottom;width:4%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;">If you surrender your contract or annuitize</div><br/><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">(under a non-life option)</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;">at the end of the applicable time period</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you do not surrender your contract</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 Year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 Year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesB</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">48,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">25,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">43,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesL</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesCP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></div></div><div style="line-height: normal;"></div><div style="line-height: normal;"></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">50,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Examples </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples are intended to help you compare the cost of investing in the variable investment options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume that you invest $100,000 in the variable investment options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Portfolio expenses, as well as the “Greater of” death benefit and GMIB (both at their maximum charge).</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:43%"></td> <td style="vertical-align:bottom;width:4%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;">If you surrender your contract or annuitize</div><br/><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">(under a non-life option)</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;">at the end of the applicable time period</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you do not surrender your contract</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 Year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 Year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesB</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">48,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">25,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">43,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesL</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesCP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></div></div><div style="line-height: normal;"></div><div style="line-height: normal;"></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">50,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Examples </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples are intended to help you compare the cost of investing in the variable investment options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume that you invest $100,000 in the variable investment options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Portfolio expenses, as well as the “Greater of” death benefit and GMIB (both at their maximum charge).</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:43%"></td> <td style="vertical-align:bottom;width:4%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;">If you surrender your contract or annuitize</div><br/><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">(under a non-life option)</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;">at the end of the applicable time period</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you do not surrender your contract</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 Year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 Year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 Years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesB</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">48,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,076</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">25,151</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">43,581</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">96,756</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesL</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,496</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,326</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,387</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">99,484</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">SeriesCP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></div></div><div style="line-height: normal;"></div><div style="line-height: normal;"></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">50,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8,548</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26,498</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">45,700</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">$</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">100,268</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> 15076 15076 31151 31151 48581 48581 96756 96756 8076 25151 43581 96756 16496 16496 32326 32326 45387 45387 99484 99484 8496 26326 45387 99484 16548 16548 33498 33498 50700 50700 100268 100268 8548 26498 45700 100268 <div id="tx65698_104" style="margin-top:0pt; margin-bottom:0pt; font-size:17.5pt; font-family:arial"><div style="font-weight:bold;display:inline;">2.</div> Benefits available under the contract </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:42pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx65698_105" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Summary of Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following tables summarize important information about the benefits available under the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Death Benefits</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These death benefits are available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:9pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:34%"></td> <td style="vertical-align:bottom"></td> <td style="width:6%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Name of Benefit</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Purpose</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Standard/</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Optional</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Annual Fee</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Brief Description of Restrictions/Limitations</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Max</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Current</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Return of Principal Death Benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees beneficiaries will receive a benefit at least equal to your contributions less adjusted withdrawals.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Standard</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Additional<br/> <div style="margin-bottom:1pt; margin-top:0pt; font-size:9pt; font-family:arial;text-align:center">Charge</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Highest Anniversary Value Death Benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Locks in highest adjusted anniversary account value as minimum death benefit.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">0.35%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the RMD Wealth Guard Death Benefit, or the “Greater of” Death Benefit</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">RMD Wealth Guard Death Benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Allows required minimum distributions without reducing the benefit base.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">1.80%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">0.90%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the Highest Anniversary Value Death Benefit, or the “Greater of” Death Benefit</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">“Greater of” Death Benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees the beneficiaries will receive at least the greater of the Roll-up benefit base and the Highest Anniversary Value benefit base.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">1.15%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the Highest Anniversary Value Death Benefit, or the RMD Wealth Guard Death Benefit</div></div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Expressed as an annual percentage of the benefit base </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Living Benefit</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">This living benefit is available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:11%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:34%"></td> <td style="vertical-align:bottom"></td> <td style="width:6%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:34%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Name of<br/>Benefit</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Purpose</div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Standard/</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Optional</div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Annual Fee</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Brief Description of Restrictions/Limitations</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Max</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Current</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Guaranteed minimum income benefit (GMIB)</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees a minimum annuitization value to provide lifetime retirement income.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">1.15%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Cannot be elected with the RMD Wealth Guard Death Benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Expressed as an annual percentage of the benefit base. </div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Other Benefits</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These other benefits are available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:9pt;width:100%;border-spacing:0"> <tr> <td style="width:11%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:37%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:6%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:36%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Name of<br/>Benefit</div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Purpose</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Standard/</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Optional</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Annual Fee</div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Brief Description of Restrictions/Limitations</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Max</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Current</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:arial">Rebalancing Option I<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div> and Option II<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(2)</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Periodically rebalance to your desired asset mix.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Charge</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with DCA</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Account value in the Protected Benefit account cannot be rebalanced</div></div></div></td></tr> <tr style="font-size:1pt"> <td style="BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="height:1.5pt"></td> <td colspan="4" style="BORDER-LEFT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:arial">Dollar Cost Averaging</div><div style="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-0.22em; font-size:9pt; font-family:arial">(special DCA, general DCA, and Investment Simplifier)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Transfer account value to selected investment options on a regular basis to potentially reduce the impact of market volatility.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Charge</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with Rebalancing</div></div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Option I allows you to rebalance your Investment account value among the Investment account variable investment options. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Option II allows you to rebalance your Investment account value among the Investment account variable investment options and the guaranteed interest option. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"> </div><div id="tx65698_106" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Death Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">About Death Benefits </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For the purposes of determining the death benefit under your Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract, we treat your Investment account and any Guaranteed minimum death benefit funded by your Protected Benefit account differently. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The death benefit in connection with your Investment account is equal to your Investment account value as of the date we receive satisfactory proof of death, any required instructions for the method of payment, and any required information and forms necessary to effect payment. The death benefit payable in connection with your Protected Benefit account will be based on the greater of (i) your Protected Benefit account value, and (ii) the benefit base of your Guaranteed minimum death benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The total death benefit under your Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract will depend on your values in either one or both sides of the contract. If you selected a Guaranteed minimum death benefit but never funded your Protected Benefit account, your death benefit will be based on your Investment account value only. Likewise, if you funded your Guaranteed minimum death benefit through allocations to the Protected Benefit account and had no Investment account value, your death benefit would be based strictly on the Guaranteed minimum death benefit you selected. Also, it is possible that upon your death, you have value in both your Investment account and a Guaranteed minimum death benefit that has been funded through allocations to the Protected Benefit account. In that case, your beneficiaries would receive the Investment account value, plus the value of your Guaranteed minimum death benefit. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"> </div><div id="tx65698_107" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Guaranteed minimum death benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">At issue, you may elect one of our optional Guaranteed minimum death benefit options (GMDBs) in connection with your Protected Benefit account as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:40%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:30%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Guaranteed Minimum<br/>Death Benefit</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Series B and L,<br/>Contracts</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Series CP</div><div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div><div style="font-weight:bold;display:inline;"></div><div style="font-weight:bold;display:inline;"><br/>Contracts</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Return of Principal death benefit</td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;white-space:nowrap"><div style="margin-top:0pt;margin-bottom:0pt"> </div><div style="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:arial;text-align:center">Issue Ages 0-80</div></td> <td rowspan="2" style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;white-space:nowrap"><div style="margin-top:0pt;margin-bottom:0pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial;text-align:center">Issue Ages 0-70</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Highest Anniversary Value death benefit</td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:40%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:30%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Guaranteed Minimum<br/>Death Benefit</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Series B and L,<br/>Contracts</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Series CP</div><div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div><div style="font-weight:bold;display:inline;"></div><div style="font-weight:bold;display:inline;"><br/>Contracts</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">RMD Wealth Guard death benefit</td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;white-space:nowrap"><div style="margin-top:0pt;margin-bottom:0pt"> </div><div style="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:arial;text-align:center"><div style="white-space:nowrap;display:inline;">Issue Ages 20-65</div></div></td> <td rowspan="2" style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;white-space:nowrap"><div style="margin-top:0pt;margin-bottom:0pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial;text-align:center">Issue Ages 20-65</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">The “Greater of” death benefit</td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The “Greater of” death benefit can only be elected in combination with the GMIB. The RMD Wealth Guard death benefit cannot be elected in combination with the GMIB. The Return of Principal death benefit and the Highest Anniversary Value death benefit are available with or without the GMIB. The Highest Anniversary Value death benefit, the RMD Wealth Guard death benefit and the “Greater of” death benefit are available at an additional charge. There is no charge for the Return of Principal death benefit. The Return of Principal death benefit will be issued with all eligible contracts if you do not elect either the Highest Anniversary Value, the RMD Wealth Guard death benefit or the “Greater of” death benefit at the time you apply for your Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract. If you elect a GMDB, the period during which you can make subsequent contributions may be significantly shorter than if you did not elect a GMDB. Please refer to Appendix "Rules regarding contributions to your contract". Once a withdrawal is taken from the Protected Benefit account, additional contributions may not be made to the Protected Benefit account. Please refer to “Accessing your money”. Transfers to and from the Protected Benefit account may be restricted. Please refer to “Transferring your money among investment options”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Any GMDB you elect will automatically terminate upon annuitization, which will occur no later than the maturity date stated in your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When you have a GMDB, you can allocate your contributions to any of the following: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Protected Benefit account variable investment options; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Investment account variable investment options; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Guaranteed interest option; </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The account for special dollar cost averaging (Series B and L contracts only); and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The account for special money market dollar cost averaging (Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts only). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Only amounts you allocate to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for the Protected Benefit account variable investment options will fund your GMDB. These amounts will be included in your GMDB benefit base and will become part of your Protected Benefit account value. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, any credit or Earnings bonus amounts attributable to your Protected Benefit account are not included in your GMDB benefit base. If you decide to transfer amounts from your Investment account to your Protected Benefit account variable investment options, only amounts representing contributions and earnings will increase your GMDB benefit base. Credit or Earnings bonus amounts to your Investment account are always considered transferred first, though any amount of that transfer that represents a credit or Earnings bonus will be excluded from your GMDB benefit base. All transfers, however, will increase your Protected Benefit account value by the amount of the transfer. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your death benefit in connection with your Protected Benefit account is equal to one of the following — whichever provides a higher amount: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your Protected Benefit account value as of the date we receive satisfactory proof of the owner’s (or older joint owner’s, if applicable) death, any required instructions for the method of payment, and any required information and forms necessary to effect payment; or </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your applicable GMDB benefit base (discussed below) on the date of the owner’s (or older joint owner’s, if applicable) death, adjusted for subsequent withdrawals (and any withdrawal charges). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For a description of how the ATP exit option will impact your GMDB benefit bases, see ‘‘ATP exit option’’. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Return of Principal death benefit </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Return of Principal Guaranteed minimum death benefit is equal to your Return of Principal death benefit base. There is no additional charge for this benefit. This benefit base is not an account value or cash value. It is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts contributed to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts transferred to the Protected Benefit account variable investment options; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects any withdrawals you make from the Protected Benefit account variable investment options or from amounts in a Special DCA program </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt">designated for the Protected Benefit account variable investment options (including any withdrawal charges). The amount of this deduction is described under “How withdrawals affect your Guaranteed benefits”. The amount of any withdrawal charge is described under “Withdrawal charge” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix "Guaranteed benefit base examples" for an example of how the Return of Principal benefit base is calculated. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Highest Anniversary Value death benefit </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Highest Anniversary Value Guaranteed minimum death benefit is equal to your Highest Anniversary Value benefit base. The current charge for this benefit is 0.35%. This benefit base is not an account value or cash value. The calculation of your Highest Anniversary Value benefit base will depend on whether you have taken a withdrawal from your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you have not taken a withdrawal from your Protected Benefit account, your Highest Anniversary Value benefit base is equal to one of the following — whichever provides a higher amount: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts contributed to a Special DCA that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts transferred to the Protected Benefit account variable investment options. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold;text-align:center"><div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">-OR-</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your highest Protected Benefit account value on any contract date anniversary up to the contract date anniversary following the owner’s (or older joint owner’s, if applicable) 85th birthday (plus any transfers to the Protected Benefit account variable investment options and contributions either directly or through a Special DCA program designated for the Protected Benefit account variable investment options, made since the most recent “reset” of the Highest Anniversary Value benefit base that established your Protected Benefit account value as your new Highest Anniversary Value benefit base). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you take a withdrawal from your Protected Benefit account and you elected the GMIB, your Highest Anniversary Value benefit base will be reduced on a dollar-for-dollar basis by withdrawals up to the Annual withdrawal amount, and on a pro rata basis by Excess withdrawals (including any applicable withdrawal charges).<div style="font-weight:bold;display:inline;"> Note that any</div><div style="font-weight:bold;display:inline;"> withdrawal from</div><div style="font-weight:bold;display:inline;"> </div><div style="font-weight:bold;display:inline;">your </div><div style="font-weight:bold;display:inline;">Protected Benefit</div><div style="font-weight:bold;display:inline;"> account in the</div><div style="font-weight:bold;display:inline;"> </div><div style="font-weight:bold;display:inline;">first contract year in which the </div><div style="font-weight:bold;display:inline;">Protected Benefit</div><div style="font-weight:bold;display:inline;"> account is funded is an Excess withdrawal.</div> If you take a withdrawal from your Protected Benefit account and you did not elect the GMIB, your Highest Anniversary Value benefit base will be reduced on a pro rata basis (including any applicable withdrawal charges). Reduction on a pro rata basis means that we calculate the percentage of your Protected Benefit account value that is being withdrawn </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">and we reduce your Highest Anniversary Value benefit base by the same percentage. See “How withdrawals affect your Guaranteed benefits”. The amount of any withdrawal charge is described under “Withdrawal charge” in “Charges and expenses”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">At any time after a withdrawal, your Highest Anniversary Value benefit base is equal to one of the following — whichever provides a higher amount: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your Highest Anniversary Value benefit base immediately following the most recent withdrawal (plus any transfers to the Protected Benefit account variable investment options made since the most recent “reset” of the Highest Anniversary Value benefit base that established your Protected Benefit account value as your new Highest Anniversary Value benefit base). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold;text-align:center"><div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">-OR-</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your highest Protected Benefit account value on any contract date anniversary after the withdrawal up to the contract date anniversary following the owner’s (or older joint owner’s, if applicable) 85th birthday (plus any transfers to the Protected Benefit account variable investment options and contributions to a Special DCA program designated for the Protected Benefit account variable investment options, made since the most recent “reset” of the Highest Anniversary Value benefit base that established your Protected Benefit account value as your new Highest Anniversary Value benefit base). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, on your contract date anniversary any credit or Earnings bonus amounts that are part of your Protected Benefit account value are included in the calculation of the “reset” to your Highest Anniversary Value benefit base. Please note, however, that credit amounts are not part of the Highest Anniversary Value benefit base until a reset occurs. If you are eligible for an Earnings bonus on your contract date anniversary, the amount of the Earnings bonus will be credited to your Total account value after any reset is calculated. If a reset occurs, your Guaranteed benefit base(s) will not be increased by amounts associated with the Earnings bonus on that contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix "Guaranteed benefit base examples" for an example of how the Highest Anniversary Value benefit base is calculated. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">RMD Wealth Guard death benefit </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">(For traditional IRA, SEP and QPDC contracts only) </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The RMD Wealth Guard death benefit is an optional guaranteed minimum death benefit. The current charge for this benefit is 0.90%. Your initial RMD Wealth Guard death benefit base is valued based on your initial contributions and any transfers to the Protected Benefit account. Thereafter RMD Wealth Guard death benefit base is increased by any allocations and transfers to the Protected Benefit account, which is described below. Withdrawals from the Protected Benefit account up to your RMD Wealth Guard withdrawal amount will not reduce your RMD Wealth Guard death benefit base. This death benefit also provides a refund feature in the event the Protected Benefit account falls to zero before the </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">owner reaches age 95. There is an additional charge for this death benefit under the contract. The RMD Wealth Guard death benefit is not available if you elected the GMIB. The RMD Wealth Guard death benefit base is not an account value or cash value. It is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts contributed to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts transferred to the Protected Benefit account variable investment options; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects withdrawals that are made before the year in which you turn age 70½ or an Excess RMD withdrawal from the Protected Benefit account, or from amounts in a Special DCA program designated for the Protected Benefit account variable investment options (including any withdrawal charges). The amount of this deduction is described below. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The RMD Wealth Guard death benefit base will be recalculated on each transaction date upon the occurrence of each contribution, transfer or deduction. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Resets.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> On each contract date anniversary up to the earlier of (i) the contract date anniversary following your first RMD withdrawal from the Protected Benefit account, and (ii) the contract date anniversary following your 85th birthday, if the Protected Benefit account value is greater than the current RMD Wealth Guard death benefit base, the RMD Wealth Guard death benefit base will automatically reset to equal the Protected Benefit account value. Withdrawals from the Protected Benefit account up to your RMD Wealth Guard withdrawal amount will not reduce your RMD Wealth Guard death benefit base. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Calculating your RMD wealth guard withdrawal amount.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> Your RMD Wealth Guard withdrawal amount will be calculated based on the account value in your Protected Benefit account variable investment options as of December 31st in the calendar year you turn age 70½ and calculated each calendar year thereafter as of December 31st<div style="font-weight:bold;display:inline;">.</div> This calculation includes the actuarial present value of your RMD Wealth Guard death benefit. For purposes of the RMD Wealth Guard death benefit, your RMD Wealth Guard withdrawal amount will be determined using the RMD rules and life expectancy and distribution tables in effect on December 31, 2014. In the event that tax reform measures change those RMD requirements, unless we agree otherwise, we will not allow your RMD Wealth Guard withdrawal amount to be greater than the RMD Wealth Guard withdrawal amount calculated using the IRS RMD rules that were in effect on December 31, 2014. As a result of us reserving this right, in the event that future IRS rule changes require you to take RMD withdrawals that are greater than the RMD amount calculated using the IRS RMD rules that were in effect on December 31, 2014 and we do not agree to this change, you would have to satisfy your RMD requirements </div></div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">from other retirement sources or, if you do not have other retirement sources, you would have to take an additional RMD withdrawal amount from this contract, which would be treated an Excess RMD withdrawal. That Excess RMD withdrawal would reduce your RMD Wealth Guard death benefit base on a pro rata basis. Please refer to the section “How withdrawals effect your Guaranteed benefits”.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Withdrawals prior to age 70 1/2 or during your first contract year. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">Withdrawals from your Protected Benefit account prior to the calendar year in which you turn age 70½ are treated as Excess RMD withdrawals and reduce your RMD Wealth Guard death benefit base on a pro rata basis (including any applicable withdrawal charges). Reduction on a pro rata basis means that we calculate the percentage of your Protected Benefit account value that is being withdrawn and we reduce your RMD Wealth Guard death benefit base by the same percentage. <div style="font-weight:bold;display:inline;">This pro rata reduction to the RMD Wealth Guard death benefit base could be greater than the dollar amount of the withdrawal and could significantly reduce or eliminate the value of the RMD Wealth Guard death benefit.</div> Withdrawals from the Protected Benefit account prior to the calendar year in which you turn age 70½ will not stop your benefit base from resetting. As discussed above, the last reset of the RMD Wealth Guard death benefit base will be the earlier of the contract date anniversary following your first RMD withdrawal from the Protected Benefit account or the contract date anniversary following your 85th birthday. For an example of how a pro rata reduction works, see Appendix "Examples of how withdrawals affect your Guaranteed benefit bases". </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Withdrawals at or after age 70 1/2.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> Withdrawals made from your Protected Benefit account beginning from the calendar year in which you turn age 70½ will be treated as RMD Wealth Guard withdrawals and will count towards your RMD Wealth Guard withdrawal amount. Withdrawals from the Protected Benefit account up to your RMD Wealth Guard withdrawal amount will not reduce your RMD Wealth Guard death benefit base. An Excess RMD withdrawal will reduce your RMD Wealth Guard death benefit base on a pro rata basis. <div style="font-weight:bold;display:inline;">A pro rata reduction to your RMD Wealth Guard death benefit base could be greater than the dollar amount of the withdrawal and could significantly reduce or eliminate the value of your RMD Wealth Guard death benefit.</div> Please note that any withdrawals from your Protected Benefit account, including withdrawals taken up to the RMD Wealth Guard withdrawal amount, will reduce your Protected Benefit account value. Withdrawal charges are waived for RMD Wealth Guard withdrawals, but will count towards the free withdrawal limit. These withdrawals are subject to tax. See “Free withdrawal amount” in “Charges and expenses”. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elect the RMD Wealth Guard withdrawal service, you will be able to choose to elect to take RMD withdrawals from your Protected Benefit account value and your Investment account value. If you elect to use our RMD Wealth Guard withdrawal service, and our Automatic RMD withdrawal service, you will receive RMD payments that you are entitled to receive for that calendar year. At the time you elected to receive RMD withdrawals, any prior RMD payments due for that calendar year will be paid as a catch-up payment. The catch-up payment is </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">made immediately when the RMD Wealth Guard withdrawal service enrollment is processed. Thereafter, RMD payments will begin on the date and frequency elected. For example, in the calendar year that you turn age 70½, if you enroll in our RMD Wealth Guard withdrawal service in July of that year and requested to receive monthly RMD payments, you would receive the catch-up payment due for January through June in a lump sum on the date the enrollment is processed and the July RMD monthly payment on the date that you specified on the RMD Wealth Guard withdrawal service Form. If you take additional withdrawals from the Protected Benefit account while you are currently taking RMD payments under our RMD Wealth Guard withdrawal service, those RMD payments from the Protected Benefit account will be reduced by those withdrawals. If you delay your first RMD withdrawal until after the calendar year you turn age 70½, but no later than April 1st of the following calendar year, we will pay you a catch-up payment at the time you elected to receive RMD withdrawals, which will include any prior RMD payments due for that calendar year plus the entire RMD amount due from the prior year. The catch-up payment is made immediately when the RMD Wealth Guard withdrawal service enrollment is processed. Thereafter, RMD payments will begin on the date and frequency elected. In that event, the RMD Wealth Guard death benefit base would not reset after that withdrawal. For more information, please refer to “Accessing your money”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you take withdrawals from your Protected Benefit account during a calendar year in which you are receiving RMD payments under our Automatic RMD service or our RMD Wealth Guard withdrawal service, once withdrawals in that calendar year reach your RMD Wealth Guard withdrawal amount, your RMD Wealth Guard withdrawals will be suspended until the next calendar year. Additional withdrawals from the Investment account value will not suspend RMD Wealth Guard withdrawals under our Automatic RMD service or our RMD Wealth Guard withdrawal service. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For additional examples of how withdrawals affect your RMD Wealth Guard death benefit base, see Appendix "Examples of how withdrawals affect your Guaranteed benefit bases". For information on how RMD payments affect your RMD Wealth Guard death benefit, see “RMDs for Traditional IRA and SEP IRA contracts with the RMD Wealth Guard death benefit” in “Accessing your money”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The RMD Wealth Guard withdrawal service is not available under QPDC contracts. If you elect the RMD Wealth Guard death benefit for a QPDC contract, all withdrawals from your Protected Benefit account will reduce the RMD Wealth Guard death benefit base on a pro rata basis and be subject to any applicable withdrawal charges until the QPDC contract is converted to an IRA. After you convert the QPDC contract to an IRA contract you can elect the RMD Wealth Guard withdrawal service. A qualified plan participant, upon separation from service, may directly roll-over an eligible rollover distribution from the plan by converting the QPDC contract into an otherwise identical IRA contract which retains the RMD Wealth Guard death benefit. In that case, the RMDs can be taken without reducing the RMD Wealth Guard death benefit base. You should not elect the RMD Wealth Guard death benefit under a QPDC contract unless you intend to convert to an IRA prior to taking RMDs. See Appendix “Purchase considerations for QP participants”. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The RMD Wealth Guard death benefit is only available for traditional IRA, SEP and QPDC contracts. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">RMD Wealth Guard Refund feature: </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you have a RMD Wealth Guard death benefit and your Protected Benefit account value falls to zero before the owner reaches age 95, or before the owner’s death, the following applies: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">We will issue you a supplementary contract with the same owner and beneficiary; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">You will receive periodic refund payments based on the value of your RMD Wealth Guard death benefit base on the day your Protected Benefit account falls to zero until we have returned the value of the RMD Wealth Guard death benefit base, less any RMD withdrawals previously taken from the Protected Benefit account before it fell to zero; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Unless you have amounts allocated to your Investment account, your contract will also terminate; and </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iv)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Any remaining RMD payments from the Investment account will continue uninterrupted. Any remaining RMD payments from the entire contract must be taken from the Investment account in the calendar year the Protected Benefit account falls to zero. Your periodic payments will begin one modal period from that date. For example, if you previously received payments on an annual basis, your next periodic payment will begin one year from the date your Protected Benefit account value fell to zero. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The annual refund payments to be received is equal to the RMD Wealth Guard death benefit base, less any RMD withdrawals previously taken from the Protected Benefit account before it fell to zero, divided by the difference between 95 and the age of the owner at the time the Protected Benefit account value fell to zero. The value of the annual refund payments to be received will be paid in full by the end of the period resulting from this formula, which will not be later than the date the owner reaches age 96. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Assume your RMD Wealth Guard death benefit base is equal to $100,000. Further assume that at the time your Protected Benefit account value fell to zero you were age 85 and that the total RMD withdrawals from your Protected Benefit account were equal to $60,000. You (or your beneficiary) would receive $4,000 each year over a period of 10 years (age 95 minus age 85 equals 10). The RMD Wealth Guard Refund amount is calculated by dividing $40,000 ($100,000 - $60,000) by 10 which equals $4,000 per year. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you die before receiving the remaining periodic payments, your beneficiary will receive any remaining periodic payments. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">RMDs are not required to be withdrawn from a Roth IRA during your lifetime. Therefore, if you are considering converting your traditional IRA to a Roth IRA, prior to converting your IRA to a Roth IRA, you must drop the RMD Wealth Guard death benefit. For information on dropping this benefit, see “Dropping or changing your Guaranteed benefits” in "Benefits available under the contract" and under Appendix "Dropping or changing your Guaranteed benefits". </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">“Greater of” death benefit </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your “Greater of” death benefit has a benefit base. The current charge for this benefit is 1.15%. The benefit base is not an account value or cash value. It is equal to the greater of: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The benefit base computed for the Highest Anniversary Value death benefit (described immediately above); and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base is used only in connection with the “Greater of” death benefit. It is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts contributed to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts transferred to the Protected Benefit account variable investment options; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects any “Excess withdrawal” amounts (plus any applicable withdrawal charges); less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects (a) in the contract year of first funding, the dollar amount of any RMD from the Protected Benefit account taken through our RMD program and (b) in the subsequent contract years, the dollar amount of any RMD from the Protected Benefit account in excess of the Annual withdrawal amount taken through our RMD program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any “Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount” or “Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount” minus a deduction that reflects any withdrawals up to the Annual withdrawal amount. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. Any such withdrawal will reduce (i) your Roll-up to age 85 benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. (Withdrawal charges do not apply to amounts withdrawn up to the Annual withdrawal amount.) </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Either the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount or the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is credited to the benefit bases of your Guaranteed benefits on each contract date anniversary. These amounts are calculated by taking into account your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base from the preceding contract date anniversary, the applicable <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract, contributions and transfers to the Protected Benefit account during the contract year and for the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount, any withdrawals up to the Annual withdrawal amount during the contract year. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. Any such withdrawal will reduce (i) your Roll-up to age 85 benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. However, a </div></div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">RMD withdrawal from our RMD program will not reduce your Annual Roll-up amount in the year you first fund your Protected Benefit account. The calculation of both the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount are discussed in this section. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In order to elect the “Greater of” death benefit, you must also elect the GMIB. Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account, and until the contract year following age 85, if your Lifetime GMIB payments under the GMIB have not begun, you may withdraw up to your Annual withdrawal amount without reducing your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. However, these same withdrawals will reduce the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount that would otherwise be applied to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base at the end of the year. Remember that the <div style="white-space:nowrap;display:inline;">Roll-up</div> amount applicable under your contract does not become part of your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base until the end of the contract year. <div style="font-weight:bold;display:inline;">The portion of any withdrawal in excess of your</div> <div style="font-weight:bold;display:inline;">Annual withdrawal amount will reduce your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit</div> <div style="font-weight:bold;display:inline;">base on a pro rata basis. See “Annual withdrawal amount and your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base”.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Unless you decline or elect a different annual reset option, you will be enrolled in the automatic annual reset program and your Roll-up to age 85 benefit base will automatically reset to equal the Protected Benefit account value, if higher, on every contract date anniversary from your contract date, up to the contract date anniversary following your 85th birthday or contract maturity, if earlier. See “Annual reset options”. The <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base reset is described in more detail below. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For more information, see “Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base adjustment”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">From time to time, we may offer you some form of payment or incentive in return for terminating or modifying certain guaranteed benefits. See “Guaranteed benefit offers” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate amounts credited to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base for the contract year in which the first withdrawal is made from your Protected Benefit account and all subsequent contract years. <div style="font-weight:bold;display:inline;">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate used for the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 component of the “Greater of” death benefit is always the same as the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your GMIB.</div> <div style="font-weight:bold;display:inline;"></div>This rate is calculated using the <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Rate Formula. See “Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> Rate” under “Guaranteed minimum income benefit” for more information regarding this formula. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A different <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate amounts credited to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base in the contract years prior to the first withdrawal from your Protected Benefit account — the “Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate,” described below. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate amounts credited to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base through the end </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">of the contract year that precedes the contract year in which the first withdrawal is made from your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Beginning in the first contract year in which you fund your Protected Benefit account, the <div style="white-space:nowrap;display:inline;">Roll-up</div> amount credited to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base at the end of the contract year (the “Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount”) will be calculated using the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. Once you take a withdrawal from your Protected Benefit account, the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount will not be credited at the end of the contract year in which the withdrawal was taken and will terminate for the life of the contract. Instead, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount will be credited. <div style="font-weight:bold;display:inline;">The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate used for</div> <div style="font-weight:bold;display:inline;">the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85</div> <div style="font-weight:bold;display:inline;">component of</div> <div style="font-weight:bold;display:inline;">the “Greater of” death benefit is always the same as the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your GMIB. </div>This rate is calculated using the Deferral <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Rate Formula. See “Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> Rate” under “Guaranteed minimum income benefit” for more information regarding this formula. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is designed as an incentive to defer taking your first withdrawal from your Protected Benefit account until later contract years while potentially building greater Guaranteed benefit bases. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">New business rates. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">The new business <div style="white-space:nowrap;display:inline;">Roll-up</div> rates we set for the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base are the same as the new business rates we set for the GMIB. If you select the GMIB Two-Year Lock, the new business rates are no longer applicable after the second contract year, even if you fund your Guaranteed benefits after the second contract year. If you select the GMIB Multi-Year Lock, the Lock-in Rate will apply during the initial period that withdrawal charges may apply to your contract. For example, the Lock-in Rate, from the contract date and for each additional contribution, is seven years for Series B, nine years for Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> and four years for Series L. Lock-in Rates are no longer applicable after the duration specified in your contract. See “New business rates” under “Guaranteed minimum income benefit” for more information. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">75 Day rate <div style="white-space:nowrap;display:inline;">lock-in. </div></div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">When you select the “Greater of” death benefit with the GMIB, the 75 day rate lock in applies to both the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> under both Guaranteed benefits. For more information, including an example of how the 75 day rate <div style="white-space:nowrap;display:inline;">lock-in</div> works, see “Guaranteed minimum income benefit.” </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Renewal rates. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">The renewal <div style="white-space:nowrap;display:inline;">Roll-up</div> rates we set for the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base are the same as the renewal rates we set for the GMIB. For more information, see “Renewal rates” under “Guaranteed minimum income benefit.” </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Notification of Renewal rates. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">If you elected the “Greater of” death benefit at issue, your contract will indicate the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and the applicable time period those rates are in effect. These rates may not be the same rates that were illustrated prior to your purchase of the contract. If you choose to fund your “Greater of” death benefit (and your GMIB) after the new business rates have expired, you can contact a Customer Service Representative to find out the current Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and if applicable, Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate for your contract. In addition, your annual statement of contract values will show your current </div></div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Renewal rates as well as the previous year’s Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate or Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate (whichever applies) for your contract. The information can also be found online, through your Equitable Client portal. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base adjustment </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is an amount credited to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on each contract date anniversary if there has ever been a withdrawal from your Protected Benefit account. The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount adjustment to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base is the primary way to increase the value of the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 component of your “Greater of” death benefit base. This amount is calculated by taking into account your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base from the preceding contract date anniversary, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract, contributions and transfers to the Protected Benefit account during the contract year and any withdrawals up to the Annual withdrawal amount during the contract year. The crediting of any Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount ends on the contract date anniversary following the owner reaching age 85. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. Any such withdrawal will reduce (i) your Roll-up to age 85 benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. However, a RMD withdrawal from our RMD program will not reduce your Annual Roll-up amount in the year you first fund your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount at the end of the contract year is calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on the preceding contract date anniversary, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate that was in effect on the first day of the contract year; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any withdrawals up to the Annual withdrawal amount resulting in a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> reduction of the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any transfer from the Investment account variable investment options and/or Guaranteed interest option to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution amounts to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is based on the number of days in the contract year after the contribution or transfer. (Since there is no Annual withdrawal amount in the first contract year in which the Protected Benefit account is funded, an</div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">y withdrawals in that year (other than RMD withdrawals from our RMD program) result in a dollar-for-dollar reduction of the Annual Roll-up amount (but not less than zero).) </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In the event of your death, a <div style="white-space:nowrap;display:inline;">pro-rated</div> portion of the <div style="white-space:nowrap;display:inline;">Roll-up</div> amount will be added to the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals in excess of the Annual withdrawal amount may have a harmful effect on your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base and “Greater of” death benefit. A withdrawal in excess of your Annual withdrawal amount will always reduce your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. When the owner reaches age 85, withdrawals will reduce your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> basis up to your Annual withdrawal amount. For more information, see “How withdrawals affect your Guaranteed benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base adjustment </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is an amount credited to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on each contract date anniversary provided you have never taken a withdrawal from your Protected Benefit account. This amount is calculated by taking into account your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base from the preceding contract date anniversary, the applicable Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract, and contributions and transfers to the Protected Benefit account during the contract year. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount adjustment to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base is the primary way to increase the value of the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 component of your “Greater of” death benefit base. The crediting of any Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount ends on the contract date anniversary following the owner reaching age 85. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount at the end of the contract year is calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on the preceding contract date anniversary, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate that was in effect on the first day of the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any transfer from the Investment account and/or Guaranteed interest option to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution amounts made during the contract year to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">A <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is based on the number of days in the contract year after the contribution or transfer. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In the event of your death, a <div style="white-space:nowrap;display:inline;">pro-rated</div> portion of the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount will be added to the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base reset </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">This section describes how the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base reset works in connection with the calculation of your “Greater of” death benefit. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Unless you decline or elect a different annual reset option, you will be enrolled in the automatic annual reset program and your Roll-up to age 85 benefit base will automatically reset to equal the Protected Benefit account value, if higher, on every contract date anniversary from your contract date, up to the contract date anniversary following your 85th birthday or contract maturity, if earlier. See “Annual reset options”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, on your contract date anniversary any credit or Earnings bonus amounts that are part of your Protected Benefit account value are included in the calculation of your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base reset. If you are eligible for an Earnings bonus on your contract date anniversary, the amount of the Earnings bonus will be credited to your Total account value after any reset is calculated. If a reset occurs, your Guaranteed benefit base(s) will not be increased by amounts associated with the Earnings bonus on that contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If a reset is not applicable on your contract date anniversary, the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base will not be eligible to be reset again until the next contract date anniversary. For jointly-owned contracts, eligibility to reset the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base is based on the age of the older owner. For <div style="white-space:nowrap;display:inline;">non-naturally</div> owned contracts, eligibility is based on the age of the annuitant or older joint annuitant. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We will send you a notice in each year that the Roll-up to age 85 benefit base is eligible to be reset. If you are not enrolled in either the automatic annual reset program or the automatic customized reset program you will have 30 days from your contract date anniversary to request a reset. At any time, you may choose one of the three available reset methods: one-time reset option, automatic annual reset program or automatic customized reset program. The procedures for choosing a reset method are the same procedures described under “GMIB benefit base reset”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The total dollar amount charged may increase as a result of the reset, even if the charge for the “Greater of” death benefit has not been increased, since the charges may be applied to a higher “Greater of” death benefit base than would have been otherwise applied. See “Charges and expenses” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Annual withdrawal amount and your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the “Greater of” death benefit and the GMIB, both your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base and GMIB benefit base are calculated the same way until age 85. Therefore, your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base and GMIB benefit base are equal until age 85. Beginning after the contract date anniversary following the owner’s (or older joint owner, if applicable) 85th birthday, your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">base will (i) no longer roll up; (ii) no longer be eligible for resets; and (iii) be reduced <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> by withdrawals up to your Annual withdrawal amount. In contrast, the roll ups and resets for the GMIB benefit base calculation continue until age 95. Therefore, after age 85, your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base and your GMIB benefit base may differ. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Withdrawals up to your Annual withdrawal amount affect your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base the exact same way as</div> <div style="font-weight:bold;display:inline;">they affect your GMIB benefit base prior to the contract date</div> <div style="font-weight:bold;display:inline;">anniversary following age 85.</div> Beginning with the contract year that follows the contract year in which you first fund your Protected Benefit account, if Lifetime GMIB payments have not begun, you may withdraw up to your Annual withdrawal amount without reducing your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">It is important to note that withdrawals in excess of your Annual withdrawal amount will have a harmful effect on your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base and your “Greater of” death benefit.</div> An Excess withdrawal reduces your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. A withdrawal that causes your Protected Benefit account value to go to zero will terminate your “Greater of” death benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The reduction of your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis means that we calculate the percentage of your current Protected Benefit account value that is being withdrawn and we reduce your current <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base by the same percentage. A pro rata withdrawal will have a significant adverse effect on your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base in cases where the Protected Benefit account value is less than the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. For an example of how pro rata reduction works, see “How withdrawals affect your Guaranteed benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For contracts with <div style="white-space:nowrap;display:inline;">non-natural</div> owners, the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base will be based on the annuitant’s (or older joint annuitant’s) age. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix "Guaranteed benefit base examples" for an example of how the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base that is part of the “Greater of” Guaranteed minimum death benefit is calculated. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you change ownership of the contract, generally the Guaranteed minimum death benefit will automatically terminate, except under certain circumstances. See “Transfers of ownership, collateral assignments, loans and borrowing” in “More information” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Guaranteed minimum death benefits are subject to state availability and your age at contract issue. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, see Appendix "State contract availability and/or variations of certain features and benefits". </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For contracts with <div style="white-space:nowrap;display:inline;">non-natural</div> owners, the available death benefits are based on the annuitant’s age. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see both “Effect of your account values falling to zero” in “Determining your contract’s value” and “How withdrawals affect your Guaranteed benefits” and the section entitled “Charges and expenses” for more information on these Guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See Appendix "Guaranteed benefit base examples" for examples of how the benefit bases for the Guaranteed minimum death benefits work. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx65698_108" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Payment of Death Benefit </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx65698_109" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Your beneficiary and payment of benefit </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You designate your beneficiary when you apply for your contract. You may change your beneficiary at any time while you are alive and the contract is in force. The change will be effective as of the date the written request is executed, whether or not you are living on the date the change is received in our processing office. We are not responsible for any beneficiary change request that we do not receive. We will send you a written confirmation when we receive your request. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under jointly owned contracts, the surviving owner is considered the beneficiary, and will take the place of any other beneficiary. Under a contract with a <div style="white-space:nowrap;display:inline;">non-natural</div> owner that has joint annuitants who continue to be spouses at the time of death, the surviving annuitant is considered the beneficiary, and will take the place of any other beneficiary. In a QP contract, the beneficiary must be the plan trust. Where an NQ contract is owned for the benefit of a minor pursuant to the Uniform Gifts to Minors Act or the Uniform Transfers to Minors Act, the beneficiary must be the estate of the minor. Where an IRA contract is owned in a custodial individual retirement account, the custodian must be the beneficiary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The death benefit in connection with your Investment account is equal to your Investment account value as of the date we receive satisfactory proof of the owner’s (or older joint owner’s, if applicable) death, any required instructions for the method of payment, forms necessary to effect payment and any other information we may require. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, the Investment account value used to determine the death benefit will first be reduced by the amount of any credits applied to contributions made during the <div style="white-space:nowrap;display:inline;">one-year</div> period prior to the owner’s (or older joint owner’s, if applicable) death. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The death benefit in connection with any amount in your Protected Benefit account is equal to your Protected Benefit account value or, if greater, the applicable Guaranteed minimum death benefit. We determine the amount of the death benefit (other than the applicable Guaranteed minimum death benefit), as of the date we receive satisfactory proof of the owner’s (or older joint owner’s, if applicable) death, any required instructions for the method of payment, forms necessary to effect payment and any other information we may require. However, this is not the case if the beneficiary of your contract is your spouse and he or she decides to roll over the death benefit to another contract issued by us. See “Effect of the owner’s death”. For Series </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, the Protected Benefit account value used to determine the death benefit will first be reduced by the amount of any credits applied to contributions made during the <div style="white-space:nowrap;display:inline;">one-year</div> period prior to the owner’s (or older joint owner’s, if applicable) death. The amount of the applicable Guaranteed minimum death benefit will be such Guaranteed minimum death benefit as of the date of the owner’s (or older joint owner’s, if applicable) death adjusted for any subsequent withdrawals. Payment of the death benefit terminates the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">When we use the terms “owner” and “joint owner”, we intend these to be references to annuitant and joint annuitant, respectively, if the contract has a <div style="white-space:nowrap;display:inline;">non-natural</div> owner. If the contract is jointly owned or is issued to a <div style="white-space:nowrap;display:inline;">non-natural</div> owner, the death benefit is payable upon the death of the older joint owner or older joint annuitant, as applicable. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Subject to applicable laws and regulations, you may impose restrictions on the timing and manner of the payment of the death benefit to your beneficiary. For example, your beneficiary designation may specify the form of death benefit payout (such as a life annuity), provided the payout you elect is one that we offer both at the time of designation and when the death benefit is payable. In general, the beneficiary will have no right to change the election. However, you should be aware that (i) in accordance with current federal income tax rules, we apply a predetermined death benefit annuity payout election only if payment of the death benefit amount begins within one year following the date of death, which payment may not occur if the beneficiary has failed to provide all required information before the end of that period, (ii) we will not apply the predetermined death benefit payout election if doing so would violate any federal income tax rules or any other applicable law, and (iii) a beneficiary or a successor owner who continues the contract under one of the continuation options described below will have the right to change your annuity payout election. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, if the annuitant dies, the owner (or older joint owner, if applicable) will become the annuitant, and the death benefit is not payable. If the contract had joint annuitants, it will become a single annuitant contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Equitable Access Account </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">If the beneficiary is a natural person (i.e., not an entity such as a corporation or a trust) and so elects, death benefit proceeds can be paid through the “Equitable Access Account,” which is a draft account that works in certain respects like an interest-bearing checking account. In that case, we will send the beneficiary a draftbook, and the beneficiary will have immediate access to the proceeds by writing a draft for all or part of the amount of the death benefit proceeds. The Company will retain the funds until a draft is presented for payment. Interest on the Equitable Access Account is earned from the date we establish the account until the account is closed by your beneficiary or by us if the account balance falls below the minimum balance requirement, which is currently $1,000. The Equitable Access </div></div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;"> Account is part of the Company’s general account and is subject to the claims of our creditors. We will receive any investment earnings during the period such amounts remain in the general account. The Equitable Access Account is not a bank account or a checking account and it is not insured by the FDIC. Funds held by insurance companies in the general account are guaranteed by the respective state guaranty association. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Effect of the owner’s death </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, if the owner dies while the contract is in force, the contract terminates and the applicable death benefit is paid. If the contract is jointly owned, the death benefit is payable upon the death of the older owner. If the contract has a <div style="white-space:nowrap;display:inline;">non-natural</div> owner, the death benefit is payable upon the death of the annuitant. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">There are various circumstances, however, in which the contract can be continued by a successor owner or under a Beneficiary continuation option (“BCO”). For contracts with spouses who are joint owners, the surviving spouse will automatically be able to continue the contract under the “Spousal continuation” feature or under our Beneficiary continuation option, as discussed below. For contracts with <div style="white-space:nowrap;display:inline;">non-spousal</div> joint owners, the joint owner will be able to continue the contract as a successor owner subject to the limitations discussed under “Non-spousal joint owner contract continuation.” </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you are the sole owner, your surviving spouse may have the option to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">take the death benefit proceeds in a lump sum; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">continue the contract as a successor owner under “Spousal continuation” (if your spouse is the sole primary beneficiary) or under our Beneficiary continuation option, as discussed below; or </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">roll the death benefit proceeds over into another contract. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your surviving spouse rolls over the death benefit proceeds into a contract issued by us, the amount of the death benefit will be calculated as of the date we receive all requirements necessary to issue your spouse’s new contract. Any death proceeds will remain invested in this contract until your spouse’s new contract is issued. The amount of the death benefit will be calculated to equal the greater of the account value (as of the date your spouse’s new contract is issued) and the applicable Guaranteed minimum death benefit (as of the date of your death). This means that the death benefit proceeds could vary up or down, based on investment performance, until your spouse’s new contract is issued. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the surviving joint owner is not the surviving spouse, or, for single owner contracts, if the beneficiary is not the surviving spouse, federal income tax rules generally require payments of amounts under the contract to be made within five years of an owner’s death (the <div style="white-space:nowrap;display:inline;">“5-year</div> rule”). In certain cases, an individual beneficiary or <div style="white-space:nowrap;display:inline;">non-spousal</div> surviving joint owner may opt to receive payments over his/her life (or over a period not in </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">excess of his/her life expectancy) if payments commence within one year of the owner’s death. Any such election must be made in accordance with our rules at the time of death. If the beneficiary of a contract with one owner or a younger <div style="white-space:nowrap;display:inline;">non-spousal</div> joint owner continues the contract under the <div style="white-space:nowrap;display:inline;">5-year</div> rule, in general, all Guaranteed benefits and their charges will end. For more information on <div style="white-space:nowrap;display:inline;">non-spousal</div> joint owner contract continuation, see the section immediately below. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65698_110" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="white-space:nowrap;display:inline;">Non-spousal</div> joint owner contract continuation </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Upon the death of either owner, the surviving joint owner becomes the sole owner. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Any death benefit (if the older owner dies first) or cash value (if the younger owner dies first) must be fully paid to the surviving joint owner within five years. The surviving owner may instead elect to receive a life annuity, provided payments begin within one year of the deceased owner’s death. If the life annuity is elected, the contract and all benefits terminate. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the older owner dies first, we will increase the account value to equal the Guaranteed minimum death benefit, if higher. The surviving owner can elect to (1) take a lump sum payment; (2) annuitize within one year; (3) continue the contract for up to five years and any GMIB and charge will be terminated; or (4) continue the contract under the Beneficiary continuation option. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, if any contributions are made during the <div style="white-space:nowrap;display:inline;">one-year</div> period prior to the owner’s death, the account value will first be reduced by any credits applied to any such contributions. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the contract continues, any Guaranteed minimum death benefit and associated charge will be discontinued. Withdrawal charges, if applicable, will no longer apply, and no subsequent contributions will be permitted. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the younger owner dies first, the surviving owner can elect to (1) take a lump sum payment; (2) annuitize within one year; (3) continue the contract for up to five years; or (4) continue the contract under the Beneficiary continuation option. If the contract continues under the <div style="white-space:nowrap;display:inline;">“5-year</div> rule”, the death benefit is not payable and the Guaranteed minimum death benefit, if applicable, will continue without change. In general, the GMIB and charge will be discontinued. Withdrawal charges, if applicable, will continue to apply and no subsequent contributions will be permitted. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65698_111" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Spousal continuation </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you are the contract owner and your spouse is the sole primary beneficiary or you jointly own the contract with your younger spouse, your spouse may elect to continue the contract as successor owner upon your death. Spousal beneficiaries (who are not also joint owners) must be 85 or younger as of the date of the deceased spouse’s death in order to continue the contract under Spousal continuation. The determination of spousal status is made under applicable state law. However, in the event of a conflict between federal and state law, we follow federal rules. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Upon your death, the younger spouse joint owner (for NQ contracts only) or the spouse beneficiary (under a Single </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">owner contract), may elect to receive the death benefit, continue the contract under our Beneficiary continuation option (as discussed in this section) or continue the contract, as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">In general, withdrawal charges will no longer apply to contributions made before your death. Withdrawal charges if applicable will apply if subsequent contributions are made. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The applicable Guaranteed minimum death benefit option may continue as follows: </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If the surviving spouse is age 65 or younger on the date of your death for contracts with the “Greater of” death benefit or the RMD Wealth Guard death benefit, age 80 or younger for contracts with the Highest Anniversary Value death benefit and you were age 84 or younger at death, the Guaranteed minimum death benefit continues and will continue to grow according to its terms until the contract date anniversary following the date the surviving spouse reaches age 85, or in the case of the RMD Wealth Guard death benefit, until the contract date anniversary following the earlier of (i) the first RMD withdrawal from the Protected Benefit account and (ii) the date the surviving spouse reaches age 85. The charge for the applicable Guaranteed minimum death benefit will continue to apply, even after the Guaranteed minimum death benefit no longer rolls up or is no longer eligible for resets. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If the surviving spouse is age 65 or younger on the date of your death for contracts with the “Greater of” death benefit or the RMD Wealth Guard death benefit, age 80 or younger for contracts with the Highest Anniversary Value death benefit and you were age 85 or older at death, we will reinstate the Guaranteed minimum death benefit under the contract. The benefit base (which had previously been frozen at age 85) will now continue to grow according to its terms until the contract date anniversary following the date the surviving spouse reaches age 85, or in the case of the RMD Wealth Guard death benefit, until the contract date anniversary following the earlier of (i) the first RMD withdrawal from the Protected Benefit account and (ii) the date the surviving spouse reaches age 85. The charge for the applicable Guaranteed minimum death benefit will continue to apply even after the Guaranteed minimum death benefit no longer rolls up or is no longer eligible for resets. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If the “Greater of” death benefit continues, the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base reset, and any Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount or Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount, as applicable, will be based on the surviving spouse’s age. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If the surviving spouse is age 66 or over on the date of your death for contracts with the “Greater of” death benefit or the RMD Wealth Guard death benefit or age 81 or older for contracts with the Highest Anniversary Value death benefit, the applicable Guaranteed minimum death benefit will be frozen, which means: </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">On the date your spouse elects to continue the contract, the value of the Guaranteed minimum death benefit will be set to equal the amount of the Guaranteed minimum death benefit base on the date of your death. If your Total account value is higher than the Guaranteed minimum death benefit base on the date of your death, the Guaranteed minimum death benefit base <div style="font-weight:bold;display:inline;">will not be increased</div> to equal your Total account value. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Guaranteed minimum death benefit will no longer be eligible to increase, other than by the dollar amount of any subsequent contributions to the Protected Benefit account by your surviving spouse, and will be subject to pro rata reduction for any subsequent withdrawals. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The charge for the Guaranteed minimum death benefit will be discontinued. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the death of your spouse, the beneficiary will receive, as of the date of death, the greater of the Total account value and the value of the Guaranteed minimum death benefit. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">In all cases, whether the Guaranteed minimum death benefit continues or is discontinued, if your Total account value is lower than the Guaranteed minimum death benefit base on the date of your death, your Total account value will be increased to equal the Guaranteed minimum death benefit base. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">When deciding whether or not to continue the contract, please consider the value of the death benefit if taken as a lump sum and the value of the death benefit if the contract is continued, especially if post-death withdrawals occurred, as the values may differ. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB may continue if the benefit had not already terminated and the benefit will be based on the surviving spouse’s age at the date of the deceased spouse’s death. See “Exercise rules” under ‘‘Guaranteed minimum income benefit (‘‘GMIB’’)’’ in “Benefits available under the contract” in this Prospectus. If the GMIB continues, the charge for the GMIB will continue to apply. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The RMD Wealth Guard death benefit will terminate if the surviving spouse is not eligible to make contributions or transfers into the Protected Benefit account and the Protected Benefit account has no value. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Where an NQ contract is owned by a Living Trust, as defined in the contract, and at the time of the annuitant’s death the annuitant’s spouse is the sole beneficiary of the Living Trust, the Trustee, as owner of the contract, may request that the spouse be substituted as annuitant as of the date of the annuitant’s death. No further change of annuitant will be permitted. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Where an IRA contract is owned in a custodial individual retirement account, and your spouse is the sole beneficiary of the account, the custodian may request that the spouse be substituted as annuitant after your death. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For jointly owned NQ contracts, if the younger spouse dies first no death benefit is paid, and the contract continues as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Guaranteed benefits continue to be based on the older spouse’s age for the life of the contract. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If the deceased spouse was the annuitant, the surviving spouse becomes the annuitant. If the deceased spouse was a joint annuitant, the contract will become a single annuitant contract. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The withdrawal charge schedule, if applicable, remains in effect. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you divorce, Spousal continuation does not apply. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65698_112" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Beneficiary continuation option </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">This feature permits a designated individual, on the contract owner’s death, to maintain a contract with the deceased contract owner’s name on it and receive distributions under the contract, instead of receiving the death benefit in a single sum. We make this option available to beneficiaries under traditional IRA, Roth IRA and NQ contracts, subject to state availability. For traditional and Roth IRAs, depending on the beneficiary, this option may be restricted for deaths after December 31, 2019, due to the changes made by the Setting Every Community Up for Retirement Enhancement Act (“SECURE Act”) enacted at the end of 2019. Please speak with your financial professional for further information. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, including information on the availability of the Beneficiary continuation option in your state, see Appendix “State contract availability and/or variations of certain features and benefits”. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">Where an IRA contract is owned in a custodial individual retirement account, the custodian may reinvest the death benefit in an individual retirement annuity contract, using the account beneficiary as the annuitant. Depending on the beneficiary, this option may be restricted for deaths after December 31, 2019, due to the changes made by the SECURE Act. Please speak with your financial professional for further information. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Beneficiary continuation option for traditional IRA and Roth IRA contracts only. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">The Beneficiary continuation option must be elected by September 30th of the year following the calendar year of your death and before any other inconsistent election is made. Beneficiaries who do not make a timely election will not be eligible for this option. If the election is made, then, as of the date we receive satisfactory proof of death, any required instructions, information and forms necessary to effect the Beneficiary continuation option feature, we will increase the Protected Benefit account value to equal the applicable death benefit if such death benefit is greater than such account value, adjusted for any subsequent withdrawals. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, if any contributions are made during the <div style="white-space:nowrap;display:inline;">one-year</div> period prior to the owner’s death, the account value will first be reduced by any credits applied to any such contributions. </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">For deaths after December 31, 2019, only specified individuals who are “eligible designated beneficiaries” or “EDBs” may stretch post-death payments over the beneficiary’s life expectancy. See “required minimum distributions after your death” under “Tax Information.” Individual beneficiaries who do not have EDB status (including beneficiaries named by the original beneficiary to receive any remaining interest after the death of the original beneficiary) must take out any remaining interest in the IRA or plan within 10 years of the applicable death. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under the Beneficiary continuation option for IRA and Roth IRA contracts: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The contract continues with your name on it for the benefit of your beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary replaces the deceased owner as annuitant. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">This feature is only available if the beneficiary is an individual. Certain trusts with only individual beneficiaries will be treated as individuals for this purpose. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If there is more than one beneficiary, each beneficiary’s share will be separately accounted for. It will be distributed over the beneficiary’s own life expectancy, if payments over life expectancy are chosen. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The minimum amount that is required in order to elect the Beneficiary continuation option is $5,000 for each beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary may make transfers among the Investment account variable investment options and the guaranteed interest option (subject to our rules) but no subsequent contributions will be permitted. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Protected Benefit account variable investment options will no longer be available and no value can be allocated to those investment options. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If any Guaranteed benefits are in effect under the contract, they will no longer be in effect and charges for such benefits will stop. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary may choose at any time to withdraw all or a portion of the Total account value and no withdrawal charges, if any, will apply. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any partial withdrawal must be at least $300. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your beneficiary will have the right to name a beneficiary to receive any remaining interest in the contract. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the death of your beneficiary, the following distribution rules will apply to the subsequent beneficiary named by your beneficiary: (1) if your beneficiary is an EDB or you died on or before December 31, 2019, the subsequent beneficiary must withdraw any remaining amount within ten years of your beneficiary’s death; or (2) if your beneficiary is not an EDB, the subsequent beneficiary must withdraw any remaining amount within 10 years of your death. The option elected will be processed when we receive satisfactory proof of death, any required instructions for the method of payment and any required information and forms necessary to effect payment. </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">For beneficiaries who are required to take the entire interest within 10 years, we offer our post-death automatic RMD option to help the beneficiary meet the RMD requirements if the deceased owner died on or after the Required Beginning Date. We calculate post-death RMD payments using the beneficiary’s life expectancy determined in accordance with IRS tables. Instead of electing our post-death automatic RMD option, your beneficiary may choose to calculate the required amount themselves and request partial withdrawals. Regardless of whether your beneficiary elects this option, any remaining amounts will be distributed to your beneficiary by the end of the 10th calendar year following the year of your death. It is the beneficiary’s responsibility to ensure compliance with the post-death RMD rules under federal tax law. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Beneficiary continuation option for NQ contracts only. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">This feature, also known as Inherited annuity, may only be elected when the NQ contract owner dies before the annuity maturity date, whether or not the owner and the annuitant are the same person. For purposes of this discussion, “beneficiary” refers to the successor owner. This feature must be elected within 9 months following the date of your death and before any other inconsistent election is made. Beneficiaries who do not make a timely election will not be eligible for this option. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Generally, payments will be made once a year to the beneficiary over the beneficiary’s life expectancy, determined on a term certain basis and in the year payments start. These payments must begin no later than one year after the date of your death and are referred to as “scheduled payments.” The beneficiary may choose the “5-year rule” instead of scheduled payments over life expectancy. If the beneficiary chooses the 5-year rule, there will be no scheduled payments. Under the 5-year rule, the beneficiary may take withdrawals as desired, but the entire account value must be fully withdrawn by the fifth anniversary of your death. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under the Beneficiary continuation option for NQ contracts: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">This feature is only available if the beneficiary is an individual. It is not available for any entity such as a trust, even if all of the beneficiaries of the trust are individuals. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary automatically replaces the existing annuitant. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The contract continues with your name on it for the benefit of your beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If there is more than one beneficiary, each beneficiary’s share will be separately accounted for. It will be distributed over the respective beneficiary’s own life expectancy, if scheduled payments are chosen. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The minimum amount that is required in order to elect the Beneficiary continuation option is $5,000 for each beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary may make transfers among the Investment account variable investment options but no subsequent contributions will be permitted. </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Protected Benefit account variable investment options will no longer be available and no value can be allocated to those investment options. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If any Guaranteed benefits are in effect under the contract, they will no longer be in effect and charges for such benefits will stop. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If the beneficiary chooses the <div style="white-space:nowrap;display:inline;">“5-year</div> rule,” withdrawals may be made at any time. If the beneficiary instead chooses scheduled payments, the beneficiary may also take withdrawals, in addition to scheduled payments, at any time. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any partial withdrawals must be at least $300. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your beneficiary will have the right to name a beneficiary to receive any remaining interest in the contract on the beneficiary’s death. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the death of your beneficiary, the beneficiary he or she has named has the option to either continue taking scheduled payments based on the remaining life expectancy of the deceased beneficiary (if scheduled payments were chosen) or to receive any remaining interest in the contract in a lump sum. We will pay any remaining interest in the contract in a lump sum if your beneficiary elects the <div style="white-space:nowrap;display:inline;">5-year</div> rule. The option elected will be processed when we receive satisfactory proof of death, any required instructions for the method of payment and any required information and forms necessary to effect payment. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">If the deceased is the owner or the older joint owner: </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">As of the date we receive satisfactory proof of death, any required instructions, information and forms necessary to effect the Beneficiary continuation option feature, we will increase the Protected Benefit account value to equal the applicable death benefit if such death benefit is greater than such Protected Benefit account value adjusted for any subsequent withdrawals. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, if any contributions are made during the <div style="white-space:nowrap;display:inline;">one-year</div> period prior to the owner’s death, the account value will first be reduced by any credits applied to any such contributions. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">No withdrawal charges, if applicable, will apply to any withdrawals by the beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">If the deceased is the younger <div style="white-space:nowrap;display:inline;">non-spousal</div> joint owner: </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The account value will not be reset to the death benefit amount. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The contract’s withdrawal charge schedule, if applicable, will continue to be applied to any withdrawal or surrender other than scheduled payments; the contract’s free withdrawal amount will continue to apply to withdrawals but does not apply to surrenders. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt;text-align:left">We do not impose a withdrawal charge on scheduled payments except if, when added to any withdrawals previously taken in the same contract year, including for this purpose a contract surrender, the total amount of </div></td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt">withdrawals and scheduled payments exceed the free withdrawal amount. See the “Withdrawal charges” in “Charges and expenses”, if applicable. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A surviving spouse should speak to his or her tax professional about whether Spousal continuation or the Beneficiary continuation option is appropriate for him or her. Factors to consider include, but are not limited to, the surviving spouse’s age, need for immediate income and a desire to continue any Guaranteed benefits under the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx65698_113" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Living Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx65698_114" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Guaranteed minimum income benefit </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">This section describes the Guaranteed minimum income benefit, or “GMIB”. The current charge for this benefit is 1.15%. The GMIB guarantees, subject to certain restrictions, annual lifetime payments (“Lifetime GMIB payments”) that are calculated by applying your GMIB benefit base, less any applicable withdrawal charge remaining, to guaranteed annuity purchase factors. You choose whether you want the option to be paid on a single or joint life basis at the time the GMIB is exercised. This benefit provides a minimum guarantee that may never come into effect. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Lifetime GMIB payments will begin at the earliest of: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">the next contract year following the date your Protected Benefit account value falls to zero (provided the no lapse guarantee is in effect); </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">the contract date anniversary following your 95th birthday; or </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">your election to exercise the GMIB. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We reserve the right to change the annuity option or make other forms of payout options available at any time. For a description of payout options, see “Your annuity payout options” in “Accessing your money”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When you exercise the GMIB, the annual lifetime income that you will receive will be the greater of (i) your GMIB which is calculated by applying your GMIB benefit base, less any applicable withdrawal charge remaining (if exercised prior to age 95), to GMIB guaranteed annuity purchase factors, or (ii) the income provided by applying your Protected Benefit account value to our then current annuity purchase factors or base contract guaranteed annuity purchase factors. The GMIB benefit base is applied only to the guaranteed annuity purchase factors under the GMIB in your contract and not to any other guaranteed or current annuity purchase rates. Your Total account value is never applied to the guaranteed annuity purchase factors under GMIB. The amount of income you actually receive will be determined when we receive your request to exercise the benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If there is no Investment account value remaining when you elect to receive annual lifetime income, your contract (including its death benefit and any account or cash values) will terminate and you will receive a new contract for the annuity payout option. For a discussion of when your payments will begin and end, see “Exercise of GMIB”. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Before you elect the GMIB, you should consider the fact that it provides a form of insurance and is based on conservative</div> <div style="font-weight:bold;display:inline;">ac</div><div style="font-weight:bold;display:inline;">tuarial factors. Therefore, even if your Protected Benefit</div> <div style="font-weight:bold;display:inline;">account value is less than your benefit base, you may generate more income by applying your Protected Benefit account value to current annuity purchase factors.</div> We will make this comparison for you upon request. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Surrendering your contract will terminate your GMIB. Please see “Surrendering your contract to receive its cash value” in “Accessing your money”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB also allows you to take certain withdrawals (your “Annual withdrawal amount”) prior to the beginning of your Lifetime GMIB payments without reducing your GMIB benefit base. Your Annual withdrawal amount for the next contract year is calculated each contract date anniversary by applying a percentage (“the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate”) to your GMIB benefit base. Lifetime GMIB payments and your Annual withdrawal amount are described. With respect to your GMIB, it is important to note the following: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Once a withdrawal is taken from your Protected Benefit account, you cannot make additional contributions to your Protected Benefit account, either directly or through a Special DCA program. You can, however, continue to make transfers from your Investment account to the Protected Benefit account variable investment options until such time you make a subsequent contribution to your Investment account at which point transfers into the Protected Benefit account will no longer be available. Scheduled transfers from an existing Special DCA program will continue, even after such subsequent contribution is made to the Investment account. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Withdrawals in excess of your Annual withdrawal amount (an “Excess withdrawal”) can greatly reduce the value of your GMIB. An Excess withdrawal that reduces your Protected Benefit account value to zero will cause your GMIB to terminate. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In order to fund your Guaranteed minimum income benefit, you must make contributions or transfers to the Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB can be elected by owners age 20 – 80 (ages 20 – 70 for Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div>) and with all contract types except Inherited IRA. If the contract is jointly owned, eligibility for the GMIB will be based on the older owner’s age. The GMIB cannot be added to your contract at a later date, if you do not elect this benefit at issue. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can drop your GMIB at any time prior to funding your Protected Benefit account. If you fund your Protected Benefit account at issue, you can drop your GMIB provided that all contributions to the contract are no longer subject to withdrawal charges. If you fund your Protected Benefit account after issue, you cannot drop the GMIB until the later of (i) the contract date anniversary following the date the Protected Benefit account is funded, and (ii) the expiration of all withdrawal charges. It is important to note that if you decide to </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">drop your GMIB, either before or after funding your Protected Benefit account, your Guaranteed minimum death benefit may be affected. Please see “Dropping or changing your Guaranteed benefits” and Appendix “Dropping or changing your Guaranteed benefits” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When you purchase a contract with the GMIB, you can combine it with one of our Guaranteed minimum death benefits: (i) the Return of Principal death benefit, (ii) the Highest Anniversary Value death benefit, or (iii) the “Greater of” death benefit. The GMIB cannot be combined with the “Greater of” death benefit or with the RMD Wealth Guard death benefit if you are age 66 or older at the time your contract is issued. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">There is an additional charge for the GMIB which is described under “Guaranteed minimum income benefit charge” in “Charges and expenses”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the GMIB and change ownership of the contract, this benefit will automatically terminate, except under certain circumstances. See “Transfers of ownership, collateral assignments, loans and borrowing” in “More information”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">The Guaranteed minimum income benefit should be regarded as a safety net only. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">GMIB benefit base </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your GMIB has a benefit base. We apply a Roll-up rate to your GMIB benefit base. When you purchase your contract, you may elect either the GMIB Two-Year Lock or the GMIB Multi-Year Lock. Once you choose a Lock-in Rate option, it cannot be changed. See “GMIB benefit base” and “New business rates” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your GMIB benefit base is not an account value or cash value. The GMIB benefit base is used to calculate your Lifetime GMIB payments, your Annual withdrawal amount and the charge for the benefit. Your GMIB benefit base is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts in a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any transfers to the Protected Benefit account variable investment options; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects any “Excess withdrawal” amounts (plus any applicable withdrawal charges); less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects (a) in the contract year of first funding, the dollar amount of any RMD from the Protected Benefit account taken through our RMD program and (b) in the subsequent contract years, the dollar amount of any RMD from the Protected Benefit account in excess of the Annual withdrawal amount taken through our RMD program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">“Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount” OR any “Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount”, minus a deduction that reflects any </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt">withdrawals up to the Annual withdrawal amount. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. Any such withdrawal will reduce (i) your Roll-up to age 85 benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. (Withdrawal charges do not apply to amounts withdrawn up to the Annual withdrawal amount.) </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Either the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount or the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is credited to the benefit bases of your Guaranteed benefits on each contract date anniversary. These amounts are calculated by taking into account your GMIB benefit base from the preceding contract date anniversary, the applicable <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract, contributions and transfers to the Protected Benefit account during the contract year and for the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount, any withdrawals up to the Annual withdrawal amount during the contract year. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. Any such withdrawal will reduce (i) your Roll-up to age 85 benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. However, a RMD withdrawal from our RMD program will not reduce your Annual Roll-up amount in the year you first fund your Protected Benefit account. The calculation of both the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount are discussed in this section. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;"></div>Beginning in the contract year that follows the contract year in which you fund your Protected Benefit account, if your Lifetime GMIB payments have not begun, you can withdraw up to your Annual withdrawal<div style="font-weight:bold;display:inline;"> </div>amount without reducing your GMIB benefit base. However, those same withdrawals will reduce the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount that would otherwise be applied to the GMIB benefit base at the end of the contract year. Remember that the <div style="white-space:nowrap;display:inline;">Roll-up</div> amount applicable under your contract<div style="font-weight:bold;display:inline;"> </div>does not become part of your GMIB benefit base<div style="font-weight:bold;display:inline;"> </div>until the end of the<div style="font-weight:bold;display:inline;"> </div>contract year. <div style="font-weight:bold;display:inline;">The portion of any withdrawal in excess of your Annual withdrawal amount will reduce your GMIB benefit base on a pro rata basis. See “Annual withdrawal amount”. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Unless you decline or elect a different annual reset option, you will be enrolled in the automatic annual reset program and your GMIB benefit base will automatically “reset” to equal the Protected Benefit account value, if higher, on every contract date anniversary from your contract date, up to the contract date anniversary following your 95th birthday or contract maturity, if earlier. See “Annual reset options”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Only amounts you allocate to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for the Protected Benefit account variable investment options will fund your GMIB. These amounts will be included in your GMIB benefit base and will become part of your Protected Benefit account value. See “Allocating your contributions” for more information. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You purchase a Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> — Series B contract with an initial contribution of $100,000 and allocate $60,000 to the Protected Benefit account variable investment options and $40,000 to the Investment account variable investment options. Your initial GMIB benefit base will be $60,000. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can fund your GMIB benefit by allocating money to the Protected Benefit account variable investment options (either directly or through a special DCA program) immediately or at some later date. Allocations to the Protected Benefit account variable investment options also fund your Guaranteed minimum death benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your “Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount” and “Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount” are described below. Your GMIB benefit base stops “rolling up” on the contract date anniversary following the owner’s (or older joint owner’s, if applicable) 95th birthday. If the annuitant is older than the owner, the contract maturity date (the point at which Lifetime GMIB payments must begin and <div style="white-space:nowrap;display:inline;">Roll-ups</div> will end) will precede the owner’s 95th birthday. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For contracts with <div style="white-space:nowrap;display:inline;">non-natural</div> owners, the GMIB benefit base will be based on the annuitant’s (or older joint annuitant’s) age. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The amount of the deduction for an “Excess withdrawal” and the deduction for the Annual withdrawal amount are described under “How withdrawals affect your Guaranteed benefits”. The amount of any withdrawal charge is described under “Withdrawal charge” in “Charges and expenses”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts only, any credit amounts attributable to your contributions or Earnings bonus are not included in your GMIB benefit base. This includes credit or Earnings bonus amounts transferred from your Investment account. Credit and Earnings bonus amounts allocated to your Investment account are always considered transferred first. Amounts transferred in excess of credit or Earnings bonus amounts, which may include earnings on these amounts, will increase your GMIB benefit base. All transfers, however, will increase your Protected Benefit account value by the total amount of the transfer. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example, you make an initial contribution of $100,000 and allocate the entire $100,000 to the Investment account variable investment options. Your Investment account is credited with $3,000 (3% x $100,000). Assume you later transfer $4,000 to the Protected Benefit account variable investment options, which represents the credit amount plus earnings, some of which are attributable to the credit amount. Your GMIB benefit base would equal $1,000 ($4,000 – $3,000). However, your Protected Benefit account value would still increase by the transfer, which in this example is $4,000. For more information, see “Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts and your Guaranteed benefit bases”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">As discussed, your GMIB benefit base is not an account value or cash value. As a result, the GMIB benefit base cannot be split or divided in any proportion in connection with a divorce. See “How divorce may affect your Guaranteed benefits” in “More information.” </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix “Guaranteed benefit base examples” for an example of how the GMIB benefit base is calculated. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You do not have an Annual withdrawal amount in the first contract year in which you fund your Protected Benefit account. A withdrawal from your Protected Benefit account in the first contract year in which you fund the Protected Benefit account will reduce your GMIB benefit base on a pro rata basis. Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account, if your Lifetime GMIB payments have not begun, withdrawals up to your Annual withdrawal amount will not reduce your GMIB benefit base. The portion of a withdrawal in excess of your Annual withdrawal amount will reduce your GMIB benefit base on a pro rata basis. See “Annual withdrawal amount”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For a description of how the ATP exit option will impact your GMIB benefit base, see ‘‘ATP exit option’’. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">GMIB benefit base reset </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Unless you decline or elect a different annual reset option, you will be enrolled in the automatic annual reset program and your GMIB benefit base will automatically “reset” to equal the Protected Benefit account value, if higher, on every contract date anniversary from the date you first fund your Protected Benefit account, up to the contract date anniversary following your 95th birthday or contract maturity, if earlier. You must notify us in writing that you want to opt out of any automatic reset program. You can send us a written request to opt back in to an automatic reset program at a later date. We reserve the right to change or discontinue our reset programs at any time. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, on your contract date anniversary any credit or Earnings bonus amounts that are part of your Protected Benefit account value are included in the calculation of your GMIB benefit base reset. If you are eligible for an Earnings bonus on your contract date anniversary, the amount of the Earnings bonus will be credited to your Total account value after any reset is calculated. If a reset occurs, your Guaranteed benefit base(s) will not be increased by amounts associated with the Earnings bonus on that contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If a reset is not applicable on your contract date anniversary, the GMIB benefit base will not be eligible to be reset again until the next contract date anniversary. For jointly-owned contracts, eligibility to reset the GMIB benefit base is based on the age of the older owner. For <div style="white-space:nowrap;display:inline;">non-naturally</div> owned contracts, eligibility is based on the age of the annuitant or older joint annuitant. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Annual reset options</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-weight:bold;display:inline;">.</div> We will send you a notice in each year that the GMIB benefit base is eligible to be reset. If you are not enrolled in either the automatic annual reset program or the automatic customized reset program you will have 30 days from your contract date anniversary to request a reset. At any time, you may choose one of the three available reset methods: one-time reset option, automatic annual reset program or automatic customized reset program. <div style="font-weight:bold;display:inline;">If, at the time of application, you do not decline the automatic</div> </div></div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">annual reset program or elect a different annual reset option, you will be enrolled in the automatic annual reset program.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;"></div><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">one-time reset option</div></div><div style="font-style:italic;display:inline;"> — resets your GMIB benefit base on a single contract date anniversary. </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;"></div><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">automatic annual reset program</div></div><div style="font-style:italic;display:inline;"> — automatically resets your GMIB benefit base on each contract date anniversary you are eligible for a reset. </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;"></div><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">automatic customized reset program</div></div><div style="font-style:italic;display:inline;"> — automatically resets your GMIB benefit base on each contract date anniversary, if eligible, for the period you designate. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">One-time reset requests will be processed as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if your request is received within 30 days following your contract date anniversary, your GMIB benefit base will be reset, if eligible, as of that contract date anniversary. If your GMIB benefit base was not eligible for a reset on that contract date anniversary, your one-time reset request will be terminated; or </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if your request is received outside the 30 day period following your contract date anniversary, your GMIB benefit base will be reset, if eligible, on the next contract date anniversary. If your GMIB benefit base is not eligible for a reset, your one-time reset request will be terminated. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Once your one-time reset request is terminated, you must submit a new request in order to reset your benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you wish to cancel your elected reset program, your request must be received by our processing office at least one business day prior to your contract date anniversary to terminate your reset program for such contract date anniversary. Cancellation requests received after this window will be applied the following year. A reset cannot be cancelled after it has occurred. For more information, see ‘‘How to reach us’’. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Effect of GMIB Benefit Base Resets</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-weight:bold;display:inline;">.</div> <div style="font-weight:bold;display:inline;">It is important to note that once you have reset your GMIB benefit base, a new waiting period to exercise the GMIB will apply from the date of the reset. Your new exercise date will be the tenth contract date anniversary following the reset or, if later, the earliest date you would have been permitted to</div> <div style="font-weight:bold;display:inline;">exercise without regard to the reset, but in no event will it be later than the contract date anniversary following age 95.</div> See ‘‘Exercise rules’’ and ‘‘How withdrawals affect your Guaranteed benefits’’ for more information. Please note that in most cases, resetting your GMIB benefit base will lengthen the exercise waiting period. Also, even when there is no additional charge when you reset your Roll-up benefit base, the total dollar amount charged may increase as a result of the reset since the charges may be applied to a higher benefit base than would have been otherwise applied. See ‘‘Charges and expenses’’. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Owners of traditional IRA or QP contracts should consider the effect of the waiting period on the requirement to take lifetime required minimum distributions before resetting the GMIB benefit base. If a QP contract is converted to an IRA, in </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">a direct rollover, the waiting period for the reset under the IRA contract will include any time that the QP contract was a funding vehicle under the plan. If a traditional IRA contract owner or a plan participant must begin taking lifetime required minimum distributions during the 10-year waiting period, the individual may want to consider taking the annual lifetime required minimum distribution calculated for the contract from another permissible contract or funding vehicle. See ‘‘How withdrawals affect your Guaranteed benefits’’ and ‘‘Lifetime required minimum distribution withdrawals’’ in ‘‘Accessing your money.’’ Also, see ‘‘Required minimum distributions’’ under ‘‘Individual retirement arrangements (IRAs)’’ in ‘‘Tax information’’ and Appendix ‘‘Purchase considerations for QP Contracts’’. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate your Annual withdrawal amount. It is also used to calculate amounts credited to your GMIB benefit base for the contract year in which the first withdrawal is made from your Protected Benefit account and all subsequent contract years. A different <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate amounts credited to your GMIB benefit base in the contract years prior to the first withdrawal from your Protected Benefit account — it is called the “Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate”. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is described below. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is variable and is tied to the <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate described below, but the minimum rate will never be less than 3% under the GMIB Multi-Year Lock or 4% under the GMIB Two-Year Lock (depending on the Rate-Hold option you select), or greater than 8% in all contract years. The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will be set at our discretion, subject to the stated minimum. We reserve the right, however, to declare an Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate that is greater than 8%. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate. </div></div></div>For each calendar quarter, this rate is the average of the rates for the <div style="white-space:nowrap;display:inline;">ten-year</div> U.S. Treasury notes on each day for which such rates are reported during the 20 calendar days ending on the 15th day of the last month of the preceding calendar quarter, plus 1.00%, rounded to the nearest 0.10%. U.S. Treasury rates will be determined from the Federal Reserve Board Constant Maturity Series or such comparable rates as may be published by the Federal Reserve Board or generally available reporting services if the Federal Reserve Board Constant Maturity Series is discontinued. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is only used to calculate amounts credited to your GMIB benefit base through the end of the contract year that precedes the contract year in which the first withdrawal is made from your Protected Benefit account. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is never used to calculate your Annual withdrawal amount under the GMIB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Beginning with the first contract year in which you fund your Protected Benefit account, the <div style="white-space:nowrap;display:inline;">Roll-up</div> amount credited to your GMIB benefit base at the end of the contract year (the “Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount”) will be calculated </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">using the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. Once you take a withdrawal from your Protected Benefit account, the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount will not be credited at the end of the contract year in which the withdrawal was taken and will terminate for the life of the contract. Instead, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount will be credited. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is designed as an incentive to defer taking your first withdrawal from your Protected Benefit account until later contract years while potentially building greater Guaranteed benefit bases with a higher <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is variable and is tied to the Deferral <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate described below. The minimum Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will never be less than 3% under the GMIB Multi-Year Lock or 4% under the GMIB Two-Year Lock (depending on the Rate-Hold option you select), or greater than 8% in all contract years up until the first withdrawal from the Protected Benefit account. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will be set at our discretion, subject to the stated minimum. We reserve the right, however, to declare a Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate that is greater than 8%. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Deferral <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate. </div></div></div>For each calendar quarter, this rate is the average of the rates for the <div style="white-space:nowrap;display:inline;">ten-year</div> U.S. Treasury notes on each day for which such rates are reported during the 20 calendar days ending on the 15th day of the last month of the preceding calendar quarter, plus 2.00%, rounded to the nearest 0.10%. U.S. Treasury rates will be determined from the Federal Reserve Board Constant Maturity Series or such comparable rates as may be published by the Federal Reserve Board or generally available reporting services if the Federal Reserve Board Constant Maturity Series is discontinued. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">As described above, both the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will never be less than 3% under the GMIB Multi-Year Lock or 4% under the GMIB Two-Year Lock (depending on the Rate-Hold option you select), or greater than 8% in all contract years. Based on the underlying formula rates that are used in arriving at the two <div style="white-space:nowrap;display:inline;">Roll-up</div> rates, it is expected that the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will generally be 1.00% greater than the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. However, this is not guaranteed. In certain interest rate environments, the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate may not always be 1.00% greater than the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. In some cases, it may be more or less than 1.00% greater than the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Also, the Lock-in Rate you choose, which is the rate declared for the rate-hold period, may affect your Deferral Roll-up rate. In some cases, it may be more or less than 1.00% greater than the Annual Roll-up rate. The Lock-in Rates available under the Rate-Hold options are described further in this section under “New business rates.” </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Examples: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left"> </td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left"><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Example for the GMIB Multi-Year Lock</div></div></div><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">:</div></div></div> Assume the calculation of <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate results in an Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate of 2.75% and the calculation of the Deferral <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate results in a Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate of 3.75%. Since the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="vertical-align:top;text-align:left">rate is subject to a guaranteed minimum of 3%, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate would be 3%. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate would remain 3.75% having met the same guaranteed minimum. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left"><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"></div></div></div><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:9pt; font-family:arial;text-align:left"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Example for the GMIB Two-Year Lock</div></div><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">:</div></div></div> Assume the calculation of Ten-Year Treasuries Formula Rate results in an Annual Roll-up rate of 3.25% and the calculation of the Deferral Ten-Year Treasuries Formula Rate results in a Deferral Roll-up rate of 4.25%. Since the Annual Roll-up rate is subject to a guaranteed minimum of 4%, the Annual Roll-up rate would be 4%. The Deferral Roll-up rate would remain 4.25% having met the same guaranteed minimum. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left"><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:9pt; font-family:arial;text-align:left"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Example for both Rate-Hold options</div></div>: Assume the calculation of <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate results in an Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate of 7.25% and the calculation of the Deferral <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate results in a Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate of 8.25%. Since the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is below the guaranteed maximum of 8%, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate would remain 7.25%. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate would be 8% because it would have exceeded our guaranteed maximum. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">It is important to note that on each contract date anniversary, we will apply either the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate or the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate to your GMIB benefit base based on whether you have ever taken a withdrawal from the Protected Benefit account. In statements we provide you, we will show you the <div style="white-space:nowrap;display:inline;">Roll-up</div> amounts under both rate scenarios. Once you take a withdrawal from your Protected Benefit account, the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will no longer be shown on your statements. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">New business rates. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">You have two Rate-Hold options to choose from at contract issue, the GMIB Two-Year Lock or the GMIB Multi-Year Lock. Once you choose a Rate-Hold option, it cannot be changed. Under the GMIB Two-Year Lock, the Lock-in Rate will apply during your first two contract years and the minimum Lock-in Rate in all contract years will never be less than 4%. Under the GMIB Multi-Year Lock, the Lock-in Rate will apply during the initial period that withdrawal charges may apply to your contract and the minimum Roll-up Rate for each contract year will be the greater of the Lock-in Rate or, the Ten-Year Treasuries Formula Rate. After the initial period that withdrawal charges may apply to your contract, the Roll-up rate will never be less than 3% or, if greater the Ten-Year Treasuries Formula Rate. Under the GMIB Two-Year Lock or the GMIB Multi-Year Lock, the Roll-up rate will never be greater than 8%. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Once a contract is issued with the Annual Roll-up and Deferral rates that are in effect for new business, those rates will be applicable for the time periods described above. Any transfers or contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the time period in which the Lock-in Rates are in effect will get the Lock-in Rates as described above. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Lock-in Rates are no longer applicable after the duration specified in your contract. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">75 Day rate <div style="white-space:nowrap;display:inline;">lock-in. </div></div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">If your initial contribution is received at our processing office within 75 days of the date you sign your application, your initial Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will be as follows: if either the Deferral Roll-up rate or the Annual Roll-up rate is lower on the date your contract is issued than on the date you signed your application, your contract will be issued with the Roll-up rates in effect on the date you signed your application. However, if on the date your contract is issued one Roll-up rate is higher and the other Roll-up rate is at least equal to the rate in effect on the date you signed your application or both Roll-up rates are higher than the Roll-up rates on the date you signed your application, your contract will be issued with the Roll-up rates in effect on the date your contract is issued. If we do not receive your initial contribution within 75 days of the date you sign your application, then your initial Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will be the rates in effect on the date we issue your contract. However, our procedures may result in the return of your application if we do not receive your initial contribution within 75 days of the date you sign your application. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, including whether a different rate <div style="white-space:nowrap;display:inline;">lock-in</div> period applies in your state, see Appendix "State contract availability and/or variations of certain features and benefits". </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Examples: </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You sign your application for Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract on September 15th. On that date the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rates are 4.50% and 5.50%, respectively. Your initial contribution is received by way of a roll-over contribution on October 5th and the contract is issued the same day. On that date the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rates are 4.25% and 5.25%, respectively. In this example, your contract will be issued with the rates that were “locked in” at the time you signed your application, not the lower rates that were in effect on the date your contract was issued. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You sign your application for Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract on October 15th. On that date the Annual Roll-up rate and Deferral Roll-up rates are 4.50% and 5.00%, respectively. Your initial contribution is received by way of a rollover contribution on November 5th and the contract is issued the same day. On that date the Annual Roll-up rate and Deferral Roll-up rates are 4.75% and 5.25%, respectively. In this example, your contract will be issued with the rates that were in effect at the time your contract was issued, not the lower rates that were in effect on the date your application was signed. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These are your Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> Lock-in Rates and they will apply to your contract for the applicable time period described above under the GMIB Two-Year Lock and the GMIB Multi-Year Lock. Thereafter, Renewal rates will apply. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Renewal rates. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">After the Lock-in Rates are no longer in effect, a new Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will apply to your contract. </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A new Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will also apply provided you have never taken a withdrawal from your Protected Benefit account. These “Renewal rates” will never be less than 3% under the GMIB Multi-Year Lock or 4% under the GMIB Two-Year Lock (depending on the Rate-Hold option you select), or, if greater, the underlying <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate (for the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate) and Deferral <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate (for the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These Renewal rates may be more than or less than, or equal to, your initial Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. We also reserve the right to set new Lock-in Rates that are higher than Renewal rates. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Any transfers or contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program and any contribution amounts in a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options, after the first day of any contract year will get the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate in effect as of the most recent contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Notification of Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Renewal rates. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">If you elected the GMIB, your contract will indicate the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and the applicable time period those rates are in effect. These rates may not be the same rates that were illustrated prior to your purchase of the contract. If you choose to fund the GMIB after the new business rates have expired, you can contact a Customer Service Representative or visit www.equitable.com to find out the current Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and if applicable, the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate for your contract. In addition, your annual statement of contract values will show your current Renewal rates, as well as the previous year’s Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate or Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate (whichever applies) for your contract. This information can also be found online, through your Equitable Client portal. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate your Annual withdrawal amount and the credit to your GMIB benefit base if you have taken a withdrawal from your Protected Benefit account. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate the credit to your GMIB benefit base until a withdrawal is made. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual GMIB benefit base adjustment </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is an amount credited to your GMIB benefit base on each contract date anniversary if there has ever been a withdrawal from your Protected Benefit account. The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount adjustment to your GMIB benefit base is a primary way to increase the value of your GMIB benefit base. This amount is calculated by taking into account your GMIB benefit base from the preceding contract date anniversary, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract, contributions and transfers to the Protected Benefit account during the contract year and any withdrawals up to the Annual withdrawal amount during the contract year. A withdrawal from your Protected Benefit </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. Any such withdrawal will reduce (i) your GMIB benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. However, a RMD withdrawal from our RMD program will not reduce your Annual Roll-up amount in the year you first fund your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount at the end of the contract year is calculated, as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your GMIB benefit base on the preceding contract date anniversary, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate that was in effect on the first day of the contract year; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any withdrawals up to the Annual withdrawal amount resulting in a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> reduction of the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any transfer from the Investment account and/or Guaranteed interest option to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution amounts made during the contract year to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is based on the number of days in the contract year after the contribution or transfer. (Since there is no Annual withdrawal amount in the first contract year in which the Protected Benefit account is funded, any withdrawals in that year other than RMD withdrawals from our RMD program result in a dollar-for-dollar reduction of the Annual Roll-up amount (but not less than zero).) </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual GMIB benefit base adjustment </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is an amount credited to your GMIB benefit base on each contract date anniversary provided you have never taken a withdrawal from your Protected Benefit account. The amount is calculated by taking into account your GMIB benefit base from the preceding contract date anniversary, the applicable Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract and contributions and transfers to the Protected Benefit account during the contract year. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount adjustment to your GMIB benefit base is a primary way to increase the value of your GMIB benefit base. Your Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount at the end of the contract year is calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">your GMIB benefit base on the preceding contract date anniversary, multiplied by </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate that was in effect on the first day of the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">a <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">a <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any transfer from the Investment account and/or Guaranteed interest option to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">a <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution amounts made during the contract year to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">A <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is based on the number of days in the contract year after the contribution or transfer. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">The GMIB benefit base stops rolling up on the contract date anniversary following the owner’s (or older joint owner, if applicable) 95th birthday or, if earlier, at contract maturity, or the owner’s (or older joint owner’s, if applicable) death. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Annual withdrawal amount </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">(Applicable prior to the beginning of Lifetime GMIB payments) </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual withdrawal amount for the next contract year is calculated on each contract date anniversary beginning with the contract year that follows the contract year in which the Protected Benefit account is first funded, and is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate in effect at the time, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the GMIB benefit base as of the most recent contract date anniversary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account, if your Lifetime GMIB payments have not begun, you may withdraw up to your Annual withdrawal amount without reducing your GMIB benefit base and adversely affecting your Lifetime GMIB payments. <div style="font-weight:bold;display:inline;">It is important to note that withdrawals in excess of your Annual withdrawal</div> <div style="font-weight:bold;display:inline;">amount will have a harmful effect on both your GMIB benefit base</div> <div style="font-weight:bold;display:inline;">and Lifetime GMIB payments. An Excess withdrawal that reduces your Protected Benefit account to zero will cause your</div> <div style="font-weight:bold;display:inline;">GMIB</div> <div style="font-weight:bold;display:inline;">to terminate. </div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You do not have an Annual withdrawal amount in the contract year in which you fund the Protected Benefit account. <div style="font-weight:bold;display:inline;">A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal and will reduce (i) your GMIB benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis.</div> Beginning with the contract year that follows the contract year in which your Protected Benefit account was first funded, the portion of a withdrawal from your Protected </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Benefit account in excess of your Annual withdrawal amount, and all subsequent withdrawals from your Protected Benefit account in that contract year, will always reduce your GMIB benefit base on a pro rata basis. This is referred to as an “Excess withdrawal”. The reduction of your GMIB benefit base on a pro rata basis means that we calculate the percentage of your current Protected Benefit account value that is being withdrawn and we reduce your current GMIB benefit base by the same percentage. A pro rata withdrawal will have a significant adverse effect on your benefit base in cases where the Protected Benefit account value is less than the benefit base. For an example of how a pro rata reduction works, see “How withdrawals affect your Guaranteed benefits”<div style="font-weight:bold;display:inline;"> </div><div style="font-weight:bold;display:inline;"></div>and, for examples of how withdrawals affect your Annual withdrawal amount, see Appendix "Examples of how withdrawals affect your Guaranteed benefit bases"<div style="font-weight:bold;display:inline;">. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual withdrawal amount is always calculated using the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate in effect for your contract at the beginning of the contract year. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate, described above, is never used for the purposes of calculating the Annual withdrawal amount. Your Annual withdrawal amounts are not cumulative. If you withdraw less than your Annual withdrawal amount in any contract year, you may not add the remainder to your Annual withdrawal amount in any subsequent year. Your Annual withdrawal amount may be more than or less than your Lifetime GMIB payments. Please refer to the beginning of this section for more information about “Lifetime GMIB payments”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Example of how your Annual withdrawal amount; Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount; Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual GMIB benefit base adjustment; and the effect of an Excess withdrawal is calculated. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Annual withdrawal amount.</div> Assume you make a contribution of $200,000 and allocate $100,000 to your Protected Benefit account variable investment options and $100,000 to your Investment account variable investment options at issue. At the beginning of contract year three, assume you transfer $5,000 to your Protected Benefit account variable investment options. Also assume that your Annual Roll-up rate is 4% and your Deferral rate is 5% in each contract year. Accordingly, your GMIB benefit base on your third contract date anniversary is $121,012. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB benefit base of $121,012 is calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You start with $100,000 allocated to the Protected Benefit account variable investment options. This amount is your initial GMIB benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">The first Deferral Roll-up amount increases your GMIB benefit base to <div style="font-weight:bold;display:inline;">$105,000. </div>($100,000 + $5,000) </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left"><div style="font-style:italic;display:inline;"> </div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left"><div style="font-style:italic;display:inline;">$100,000 (GMIB benefit base) x 5% (Deferral Roll-up rate) = $5,000 (Deferral Roll-up amount)</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">The second Deferral Roll-up amount increases your GMIB benefit base to <div style="font-weight:bold;display:inline;">$110,250. </div>($105,000 + $5,250) </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left"> </td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left"><div style="font-style:italic;display:inline;">$105,000 (GMIB benefit base) x 5% (Deferral Roll-up rate) = $5,250 (Deferral Roll-up amount)</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Your $5,000 transfer from the Investment account at the beginning of contract year three increases your GMIB benefit base to <div style="font-weight:bold;display:inline;">$115,250. </div><div style="font-style:italic;display:inline;">($110,250 + $5,000)</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">The third Deferral Roll-up amount increases your GMIB benefit base to <div style="font-weight:bold;display:inline;">$121,012. </div><div style="font-style:italic;display:inline;">($115,250 + $5,762)</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left"><div style="font-style:italic;display:inline;"> </div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left"><div style="font-style:italic;display:inline;">$115,250 (GMIB benefit base) x 5% (Deferral Roll-up rate) = $5,762 (Deferral Roll-up amount)</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual withdrawal amount as of the beginning of contract year four is equal to $4,840, calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$121,012 (GMIB benefit base as of your most recent contract date anniversary) <div style="font-weight:bold;display:inline;">multiplied by</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">4% (your current Annual Roll-up rate) <div style="font-weight:bold;display:inline;">equals</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$4,840 </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note that your Annual Roll-up rate is used to calculate your Annual withdrawal amount. The Deferral Roll-up rate is never used to calculate your Annual withdrawal amount. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Annual Roll-up amount and annual benefit base adjustment.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> Further assume that during contract year four (on the 146th day of the contract year), you make a contribution of $10,000 to your Protected Benefit account variable investment options, making your current GMIB benefit base after the contribution $131,012. Also assume that you withdraw your full Annual withdrawal amount of $4,840 during contract year four. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On your fourth contract date anniversary, your Annual Roll-up amount is equal to $240, calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">4%<div style="font-style:italic;display:inline;"> (your current Annual Roll-up rate)</div> <div style="font-weight:bold;display:inline;">multiplied by</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$121,012 <div style="font-style:italic;display:inline;">(your GMIB benefit base as of your most recent contract date anniversary) </div><div style="font-weight:bold;display:inline;">minus</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$4,840 (the Annual withdrawal amount, which was withdrawn) <div style="font-weight:bold;display:inline;">plus</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$240 <div style="font-style:italic;display:inline;">(the daily pro-rated Roll-up amount for the contribution: $10,000 x 4% x 219/365* = $240)</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">equals </div>$240 </td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:24%;text-align:center;margin-left: auto;margin-right: auto"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">*</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left"><div style="font-style:italic;display:inline;">This fraction represents the number of days in a 365-day contract year that the contribution would have received credit toward the Roll-up amount.</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note that the withdrawal in contract year four terminated the Deferral Roll-up rate. Therefore on the fourth contract date anniversary, the Annual Roll-up rate was used to calculate the Annual Roll-up amount. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your adjusted GMIB benefit base is $131,252 </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Effect of an Excess withdrawal.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> In contract year four, assume instead that you make a withdrawal of $7,840 (including any </div></div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">applicable withdrawal charges). This would result in an Excess withdrawal of $3,000 because your Annual withdrawal amount is only $4,840 ($7,840 – $4,840 = $3,000). Further, assume that your Protected Benefit account value at the time of this withdrawal is $100,000. As described, Excess withdrawals reduce your GMIB benefit base on a pro-rata basis. Accordingly, your GMIB benefit base is reduced by $3,930 at the time of the withdrawal, calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$131,012 <div style="font-style:italic;display:inline;">(your current GMIB benefit base: $121,012 + $10,000)</div> <div style="font-weight:bold;display:inline;">multiplied by</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">3%<div style="font-style:italic;display:inline;"> (the percentage of your current Protected Benefit account value that was withdrawn in excess of your Annual withdrawal amount)</div> <div style="font-weight:bold;display:inline;">equals</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$3,930 </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On your fourth contract date anniversary, your adjusted GMIB benefit base is $127,322, calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$127,082 <div style="font-style:italic;display:inline;">(your GMIB benefit base adjusted to reflect the Excess withdrawal: $131,012 – $3,930 = $127,082)</div> <div style="font-weight:bold;display:inline;">plus</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$240 <div style="font-style:italic;display:inline;">(your Annual Roll-up amount)</div> <div style="font-weight:bold;display:inline;">equals</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$127,322 </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note that the Excess withdrawal in contract year four terminated the no lapse guarantee. Please see the following section for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See Appendix "Examples of how withdrawals affect your Guaranteed benefit bases" for more examples of how withdrawals affect your Guaranteed benefit bases and Annual withdrawal amount. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">GMIB “no lapse guarantee” </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, if your Protected Benefit account value falls to zero (except as discussed below), the GMIB will be exercised automatically, based on the owner’s (or older joint owner’s, if applicable) current age and GMIB benefit base as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You will be issued a life only supplementary contract based on a single life. Upon exercise, your Guaranteed minimum death benefit will be terminated. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You will have 30 days from when we notify you to change the payout option and/or the payment frequency. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Poor investment performance of the Protected Benefit account variable investment options may contribute to your Protected Benefit account value falling to zero. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The no-lapse guarantee will terminate under the following circumstances: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If your aggregate withdrawals from your Protected Benefit account in any contract year following the contract year in which you first fund your Protected Benefit account exceed your Annual withdrawal amount. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the contract date anniversary following the owner (or older joint owner, if applicable) reaching age 95, or, if earlier, the contract maturity date. </td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you were enrolled in the Maximum Payment Plan or Customized Payment Plan, the frequency of your Lifetime GMIB payments will be the same based on the payment frequency you elected. Your Lifetime GMIB payment amount may be less than your Annual withdrawal amount in the prior contract year. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you were not enrolled in the Maximum Payment Plan or Customized Payment Plan, you will begin receiving your Lifetime GMIB payments annually one calendar year after the date that the Protected Benefit account value fell to zero. Your Lifetime GMIB payment amount may be less than your Annual withdrawal amount in the prior contract year. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Exercise of GMIB. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">On each contract date anniversary that you are eligible to exercise the GMIB, we will send you an eligibility notice illustrating how much income could be provided as of the contract date anniversary. You must notify us within 30 days following the contract date anniversary if you want to exercise the GMIB. You must return your contract to us, along with all required information within 30 days following your contract date anniversary, in order to exercise this benefit. Upon exercise of the GMIB, the owner (or older joint owner, if applicable) will become the annuitant, and the contract will be annuitized on the basis of the annuitant’s life. You will begin receiving annual payments one year after the annuity payout contract is issued. If you choose monthly or quarterly payments, you will receive your payment one month or one quarter after the annuity payout contract is issued. Under monthly or quarterly payments, the aggregate payments you receive in a contract year will be less than what you would have received if you had elected an annual payment, as monthly and quarterly payments reflect the time value of money with regard to both interest and mortality. You may choose to take a withdrawal prior to exercising the GMIB, which will reduce your payments. You may not partially exercise this benefit. See ‘‘Withdrawing your account value’’ in ‘‘Accessing your money’’. Payments end with the last payment before the annuitant’s<div style="font-weight:bold;display:inline;"> </div>(or joint annuitant’s, if applicable) death. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see “Exercise of the GMIB in the event of a GMIB fee increase” under “Charges and expenses” for more information on exercising your GMIB upon notice of a change to the GMIB fee. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Exercise rules. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">The latest date you may exercise the GMIB is the 30th day following the contract date anniversary following the annuitant’s 95th birthday. If the GMIB is exercised on any contract date anniversary prior to age 95, the GMIB benefit base is reduced by any remaining withdrawal charge. If the GMIB is exercised as a result of the no lapse guarantee, any applicable withdrawal charges are waived. Eligibility to exercise the GMIB is based on the owner’s (or older joint owner’s, if applicable) age, as follows: </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If you were at least age 20 and no older than age 44 on the contract date anniversary immediately preceding the date you first funded your Protected Benefit account, you are eligible to exercise the GMIB within 30 days following each contract date anniversary beginning with the 15th contract date anniversary following the date you first funded your Protected Benefit account. </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If you were at least age 45 and no older than age 49 on the contract date anniversary immediately preceding the date you first funded your Protected Benefit account, you are eligible to exercise the GMIB within 30 days following each contract date anniversary after age 60. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If you were at least age 50 and no older than age 80 on the contract date anniversary immediately preceding the date you first funded your Protected Benefit account, you are eligible to exercise the GMIB within 30 days following each contract date anniversary beginning with the 10th contract date anniversary following the date you first funded your Protected Benefit account. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB guarantees annual lifetime payments (“Lifetime GMIB payments”), which will begin at the earliest of: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">the next contract year following the date your Protected Benefit account value falls to zero (provided the no lapse guarantee is in effect); </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">the contract date anniversary following your 95th birthday; or </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">your election to exercise the GMIB. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Lifetime GMIB payments will be calculated as described below in this section. Whether your Lifetime GMIB payments are triggered by age 95, the no lapse guarantee, or your election to exercise the GMIB, we use the same calculation to determine the amount of the payments. Please note that withdrawal charges, if any, may apply if you elect to exercise the GMIB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For single owner contracts, the payout can be either based on a single life (the owner’s life) or joint lives. For IRA contracts, the joint life must be the spouse of the owner. For jointly owned contracts, payments can be based on a single life (based on the life of the older owner) or joint lives. For non-natural owners, payments are available on the same basis (based on the annuitant or joint annuitant’s life). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Lifetime GMIB payments are calculated by applying your GMIB benefit base less any applicable withdrawal charge remaining, to guaranteed annuity purchase factors. If your Protected Benefit account value is zero as described under the “GMIB “no lapse guarantee””, we will use your GMIB benefit base as of the day your Protected Benefit account value was reduced to zero. On the day your Protected Benefit account value is reduced to zero, we calculate your GMIB benefit base using the same formula as described under “GMIB benefit base”. If your Protected Benefit account was reduced to zero on a date other than your contract anniversary, we will include a pro rata portion of the applicable Roll-up amount in your GMIB base. Withdrawal charges, if any, will not apply under these circumstances. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Example: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:arial">Assume your Protected Benefit account value goes to zero in the middle of the 10th contract year. At the beginning of the 10th contract year, the GMIB benefit base is $100,000. Further assume there were no contributions or transfers to the Protected Benefit account or any withdrawals during that contract year. If the applicable Roll-up </div><div style="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:arial">rate was 4%, the GMIB benefit base on the day your Protected Benefit account value was reduced to zero would be $102,000. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your Protected Benefit account value is reduced to zero on your contract date anniversary as the result of the deduction of charges under the contract, we will add any remaining Annual Roll-up amount, or if applicable, your Deferral Roll-up amount, to your GMIB benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the GMIB is exercised under any of the three events as described above, and you have no Investment account value, the following applies: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">We will issue a supplementary contract with the same owner and beneficiary. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">The deferral contract, including the Guaranteed minimum death benefit will be terminated. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the GMIB is exercised under any of the three events as described above, and you have Investment account value, the following applies: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">We will issue a supplementary contract for the Protected Benefit account with the same owner and beneficiary. The Investment account under the deferred contract will continue to be in force. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Your Lifetime GMIB payment will not reduce your Investment account value. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Your Guaranteed minimum death benefit will be terminated. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iv)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">For IRA contracts, your RMD payments will be based solely on your Investment account value and may only be withdrawn from your Investment account. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elect to exercise the GMIB or your Protected Benefit account value has not fallen to zero before or the contract date anniversary that follows the annuitant reaching age 95, whichever is sooner, the following applies: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">We will issue a supplementary contract with the same owner and beneficiary; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Your Lifetime GMIB payments will be equal to the greater of: </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">your Protected Benefit account value applied to the guaranteed, or, if greater, the current annuitization factors, </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold;text-align:center">-OR- </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the GMIB benefit base applied to the guaranteed annuity purchase factors. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example, assuming the current annuitization factors are greater than the guaranteed annuitization factors, a male contract owner whose annuitant is age 95 and has a $100,000 GMIB benefit base and $50,000 in Protected Benefit account value would receive the greater of the following: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Current annuitization factors (which are subject to change) applied to his $50,000 Protected Benefit </div></td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="vertical-align:top;text-align:left">account value, which currently equals a monthly payment of $1,065, or </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">The guaranteed annuity purchase factor discussed above (in this example, it would be 0.63%) applied to his $100,000 GMIB benefit base, which equals a Lifetime GMIB monthly payment of $630. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In this example, the contract owner’s monthly payment would be $1,065. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Any Investment account value will be annuitized under a separate contract based on one of the annuity payout options discussed under “Your annuity payout options” in “Accessing your money”; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Upon issuing your supplementary contract, your Guaranteed minimum death benefit and your death benefit in connection with your Investment account value will be terminated. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the GMIB and your Protected Benefit account value falls to zero due to an Excess withdrawal, we will terminate your GMIB and you will receive no payment or supplementary life annuity contract, even if your GMIB benefit base is greater than zero. Please see the Hypothetical illustrations in Appendix "Hypothetical illustrations" for an example of how Lifetime GMIB payments are calculated when: (i) a hypothetical Protected Benefit account value falls to zero, and (ii) the annuitant reaches age 95. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if the GMIB benefit base is reset after age 85, the only time you may exercise the GMIB is within 30 days following the contract date anniversary following the annuitant’s attainment of age 95; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">for Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series QP contracts, the Plan participant can exercise the GMIB only if he or she elects to take a distribution from the Plan and, in connection with this distribution, the Plan’s trustee changes the ownership of the contract to the participant. This effects a rollover of the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series QP contract into a Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series traditional IRA. This process must be completed within the 30-day time frame following the contract date anniversary in order for the Plan participant to be eligible to exercise. However, if the GMIB is automatically exercised as a result of the no lapse guarantee, a rollover into an IRA will not be effected and payments will be made directly to the trustee; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">since no partial exercise is permitted, owners of defined benefit QP contracts who plan to change ownership of the contract to the participant must first compare the participant’s lump sum benefit amount and annuity benefit amount to the GMIB benefit base and account value, and make a withdrawal from the contract if necessary. See ‘‘How withdrawals affect your Guaranteed benefits’’; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iv)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if you reset the GMIB benefit base your new exercise date will be the tenth contract date anniversary following the </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="vertical-align:top;text-align:left">reset or, if later, the earliest date you would have been permitted to exercise without regard to the reset, but in no event will it be later than the contract date anniversary following age 95. Please note that in most cases, resetting your GMIB benefit base will lengthen the waiting period; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(v)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">a spouse beneficiary or younger spouse joint owner under Spousal continuation may continue the GMIB if the contract is not past the last date on which the original owner could have exercised the benefit and the spouse beneficiary or younger spouse joint owner is eligible to continue the benefit and to exercise the benefit under the applicable exercise rule (described in the above bullets). In general, the spouse beneficiary or younger spouse joint owner’s age on the date of the owner’s death replaces the owner’s age at issue, for purposes of determining the availability of the benefit and which of the exercise rules applies. If the spouse beneficiary or younger spouse joint owner is over age 85 on the date of the owner’s death, she will have a one-time opportunity to exercise the GMIB subject to the following additional rules. The one-time election will be available only if the spouse beneficiary or younger spouse joint owner is age 95 or younger and the original owner died before the age of 95. In addition, the election to exercise the GMIB must be made no later than one year following the date of the owner’s death. If the GMIB is exercised, the Guaranteed minimum death benefit will be terminated. For example, if an owner is age 70 at issue, and he dies at age 79, and the spouse beneficiary is 86 on the date of his death, she may exercise the GMIB no later than one year following the date of the owner’s death, even though she was 77 at the time the contract was issued, because eligibility is measured using her age at the time of the owner’s death, not her age on the issue date; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(vi)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if the contract is jointly owned and not an IRA contract, you can elect to have the GMIB paid either: (a) as a joint life benefit or (b) as a single life benefit paid on the basis of the older owner’s age (if applicable); </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(vii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if the contract is an IRA contract, you can elect to have the Guaranteed minimum income benefit paid either: (a) as a joint life benefit, but only if the joint annuitant is your spouse or (b) as a single life benefit paid on the basis of the older annuitant’s age; and </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(viii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if the contract is owned by a trust or other non-natural person, eligibility to elect or exercise the GMIB is based on the annuitant’s (or older joint annuitant’s, if applicable) age, rather than the owner’s. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See ‘‘Effect of the owner’s death’’ under ‘‘Payment of death benefit’’ for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see ‘‘How withdrawals affect your Guaranteed benefits’’ and ‘‘Effect of your account values falling to zero’’ in ‘‘Determining your contract’s value’’ for more information on these guaranteed benefits. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">From time to time, we may offer you some form of payment or incentive in return for terminating or modifying certain guaranteed benefits. See “Guaranteed benefit offers” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Asset transfer program (‘‘ATP’’) </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the GMIB, you are required to participate in the asset transfer program (‘‘ATP’’). The ATP helps us manage our financial exposure in providing the guaranteed benefits, by using predetermined mathematical formulas to move account value between the ATP Portfolio and the other Protected Benefit account variable investment options. The formulas applicable to you may not be altered once you have the benefit. In essence, we seek to preserve account value in the Protected Benefit account variable investment options by transferring some or all of your account value in other Protected Benefit account variable investment options to a more stable option (i.e., the ATP Portfolio). The formulas also contemplate the transfer of some or all of the account value from the ATP Portfolio to the other Protected Benefit account variable investment options according to your allocation instructions on file. The formulas are described below and are also described in greater detail in Appendix "Formula for asset transfer program for Guaranteed minimum income benefit". </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The ATP Portfolio will only be used to hold amounts transferred out of your other Protected Benefit account variable investment options in accordance with the formulas described below. The ATP Portfolio is part of the Protected Benefit account, but you may not directly allocate a contribution to the ATP Portfolio or request a transfer of account value into the ATP Portfolio. The ATP applies to amounts you allocate to the Protected Benefit account variable investment options. On a limited basis, you may request a transfer out of the ATP Portfolio, subject to the rules discussed below. For a summary description of the ATP Portfolio, please see ‘‘Portfolios of the Trusts’’ in ”Purchasing the Contract”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Transfers into or out of the ATP Portfolio, if required, are processed on each valuation day. The valuation day occurs on each contract monthiversary. The contract monthiversary is the same date of the month as the contract date. If the contract monthiversary is not a business day in any month, the valuation day will be the next business day. For contracts with issue dates after the 28th day of the month, the valuation day will be on the first business day of the following month. In the twelfth month of the contract year, the valuation day will be on the contract date anniversary. If the contract date anniversary occurs on a day other than a business day, the valuation day will be the business day immediately preceding the contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, the formulas work as follows. On each valuation day, two formulas — the ATP formula and the transfer amount formula — are used to automatically perform an analysis with respect to your GMIB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The first formula, called the ATP formula, begins by calculating a contract ratio, which is determined by dividing the Protected Benefit account value by the GMIB benefit base, and subtracting the resulting number from one. The contract </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">ratio is then compared to predetermined ‘‘transfer points’’ to determine what portion of the Protected Benefit account value needs to be held in the ATP Portfolio. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the contract ratio on the valuation day is equal to or less than the minimum transfer point, all of the account value in the ATP Portfolio, if any, will be transferred to the other Protected Benefit account variable investment options according to your allocation instructions on file. If the contract ratio on the valuation day exceeds the minimum transfer point but is less than the maximum transfer point, amounts may be transferred either into or out of the ATP Portfolio depending on the account value already in the ATP Portfolio and a Special DCA program designated for the Protected Benefit account variable investment options. If the contract ratio on the valuation day is equal to or greater than the maximum transfer point, the total amount of your account value in the Protected Benefit account variable investment options will be transferred into the ATP Portfolio. For purposes of these calculations, amounts in any Special DCA program designated for the Protected Benefit account variable investment options are excluded from amounts that are transferred into the ATP Portfolio. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">ATP transfers into the ATP Portfolio will be transferred out of your other Protected Benefit account variable investment options on a pro rata basis. ATP transfers out of the ATP Portfolio will be allocated among the other Protected Benefit account variable investment options in accordance with your allocation instructions on file. No amounts will be transferred into or out of a Special DCA program as a result of any ATP transfer. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you make a contribution or transfer to your Protected Benefit account after the contract date, that contribution will be allocated according to the instructions that you provide or, if we do not receive any instructions, according to the allocation instructions on file for your contract. If the contribution or transfer is processed on a valuation day, it will be subject to an ATP transfer calculation on that day. If the contribution is received between valuation days, the amount contributed will be subject to an ATP transfer calculation on the next valuation day. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A separate formula, called the transfer amount formula, is used to calculate the amount that must be transferred either into or out of the ATP Portfolio when the ATP formula indicates that such a transfer is required. For example, the transfer amount formula reallocates Protected Benefit account value such that for every 1% by which the contract ratio exceeds the minimum transfer point after the transaction 10% of the Protected Benefit account value will be invested in the ATP Portfolio and a Special DCA program designated for the Protected Benefit account variable investment options. When the contract ratio exceeds the maximum transfer point, amounts will be transferred into the ATP Portfolio such that 100% of the Protected Benefit account value will be invested in the ATP Portfolio and a Special DCA program designated for the Protected Benefit account variable investment options. On the first day of your first ATP year, the minimum transfer point is 15% and the </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">maximum transfer point is 25%. The minimum and maximum transfer points increase each contract monthiversary. In the 10th ATP year (and later), the minimum transfer point is 45% and the maximum transfer point is 55%. See Appendix "Formula for asset transfer program for Guaranteed minimum income benefit" for a list of transfer points. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Each time you make a subsequent contribution or transfer to your Protected Benefit account we will apply a setback adjustment formula. We use the formula to determine whether (and to what extent) your applicable transfer points may be “set back”. Any set back of your transfer points will apply on the next business day. The formula we use to calculate the set back applicable to you may not be altered once you have the benefit. In general, the formula adjusts your applicable transfer points to reflect the weighted average age of all contributions and transfers made to the Protected Benefit account in relation to the GMIB benefit base on the day prior to the contribution or transfer. For information about the calculation, please see Appendix "Formula for asset transfer program for Guaranteed minimum income benefit". </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you take a withdrawal from your Protected Benefit account and there is account value allocated to the ATP Portfolio, the withdrawal will be taken pro rata out of your Protected Benefit account variable investment options (including the ATP Portfolio). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Subject to any necessary regulatory approvals and advance notice to affected contract owners, we reserve the right to utilize an investment option other than the ATP Portfolio as part of the ATP. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">ATP exit option.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> Apart from the operation of the formulas, you may request a transfer of account value in the ATP Portfolio. You may wish to exercise the ATP exit option if you seek greater equity exposure and if it meets your investment goals and risk tolerance. This strategy may result in higher growth of your Protected Benefit account value if the market increases which may also increase your Guaranteed benefit bases upon a reset. On the other hand, if the market declines, your Protected Benefit account value will also decline which will reduce the likelihood that your Guaranteed benefit bases will increase. You should consult with your financial professional to assist you in determining whether exercising the ATP exit option meets your investment goals and risk tolerance. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The ATP exit option is subject to the following limitations: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You may not transfer out of the ATP Portfolio during the contract year in which you first fund your Protected Benefit account. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Beginning in the contract year that follows the contract year in which you first fund your Protected Benefit account, and until the contract year following age 85, you may make a transfer out of the ATP Portfolio only once per contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You must elect the transfer on a specific transfer form we provide. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">100% of your account value in the ATP Portfolio must be transferred out. You cannot request a partial transfer. The </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt">transfer will be allocated to your other Protected Benefit account variable investment options based on the instructions we have on file. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">There is no minimum account value requirement for the ATP exit option. You may make this election if you have any account value in the ATP Portfolio. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">We are not able to process an ATP exit option on a valuation day. If your transfer form is received in good order on a valuation day, your ATP exit option will be processed on the next business day. If no account value remains in the ATP Portfolio on that day, there will be no transfer and your election will not count as your one permitted ATP exit option for that contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If we process an ATP exit option, we will recalculate your benefit bases. A transfer may result in a reduction in your Guaranteed benefit bases and therefore a reduction in the value of your Guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You should be aware that contributions and transfers to the Protected Benefit account generally have the effect of moving money out of the ATP Portfolio. However, in cases where the GMIB benefit base far exceeds the Protected Benefit account value and a contribution or transfer has not been made for a long period of time, making an additional contribution or transfer to the Protected Benefit account may result in no movement out of the ATP Portfolio due to the ATP year set back. Under these circumstances, the additional contribution or transfer may be transferred into the ATP Portfolio on the next valuation day. You should consider these factors when making a subsequent contribution or transfer to your Protected Benefit account. See Appendix "Formula for asset transfer program for Guaranteed minimum income benefit" for examples of how subsequent contributions may impact the ATP exit option. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On the day the ATP exit option is processed, the current value of the GMIB benefit base, the Roll-up to age 85 benefit base and the Highest Anniversary Value benefit base (as applicable) is compared to the new benefit base produced by the ATP exit option formula. Each benefit base (the GMIB benefit base, the Roll-up to age 85 benefit base and the Highest Anniversary Value benefit base) is adjusted to the lesser of the current value of that benefit base or the new benefit base produced by the ATP exit option formula. There is the potential that the Roll-up to age 85 benefit base will be adjusted without a corresponding adjustment to the Highest Anniversary Value benefit base and vice versa. The Return of Principal death benefit base is not adjusted. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the GMIB benefit base and Roll-up to age 85 benefit base are adjusted, there are no corresponding adjustments made to the Deferral Roll-up amount, the Annual Roll-up amount and the Annual withdrawal amount in that contract year. Any applicable amounts are added to your newly adjusted GMIB benefit base and Roll-up benefit base to age 85. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For information about the ATP exit option, please see Appendix "Formula for asset transfer program for Guaranteed minimum income benefit". </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">GMIB annuity purchase factors.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> Annuity purchase factors are the factors applied to determine your periodic payments </div></div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">under the GMIB and base contract annuity payout options. GMIB annuity purchase factors are based on the owner’s (and any younger joint owner’s) age, frequency of payment, are the same regardless of gender, and are generally more conservative than the base contract annuity purchase factors. Base contract annuity payout options are discussed under “Your annuity payout options” in “Accessing your money”. Base contract annuity purchase factors are based on interest rates, mortality tables, frequency of payments, the form of annuity benefit, and the owner’s (and any joint owner’s) age and sex in certain instances. We may provide more favorable current annuity purchase factors for the annuity payout options than those specified in your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Exercising the GMIB when your Protected Benefit account value is greater than zero</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">. The lifetime annual payment amount you receive will be the greater of the Lifetime GMIB payment amount or the income derived from applying your Protected Benefit account value to our current or guaranteed annuitization factors. This lifetime annual payment amount may be lower than your Annual withdrawal amount depending on your age, current annuitization factors, and your Protected Benefit account and GMIB benefit base values at the time you exercise the GMIB. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Exercising the GMIB through the no-lapse guarantee when your Protected Benefit account value falls to zero.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> If your Protected Benefit account value falls to zero and the no lapse guarantee is in effect, the GMIB is exercised automatically and you will receive Lifetime GMIB payments. This annual Lifetime GMIB payment amount may be lower than your Annual withdrawal amount, depending on your age at the time the GMIB is exercised and whether you elect to be paid on a single or joint life basis. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">•</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">Exercising the GMIB provides you with a guaranteed annual lifetime payment that is not intended to replace the annual income you can receive by withdrawing the Annual withdrawal amount prior to exercising the GMIB. The annual Lifetime GMIB payment amount you receive is based on conservative actuarial factors and may be lower than your Annual withdrawal amount. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">•</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">At some GMIB exercise ages, the annual Lifetime GMIB payment amount may be less than your Annual withdrawal amount. Accordingly, you should not deplete your Protected Benefit account value through withdrawals in reliance on receiving a similar amount of annual income through Lifetime GMIB payments. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65698_115" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Series CP</div><div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="font-family:arial;display:inline;"><div style="font-weight:bold;display:inline;"></div></div><div style="font-weight:bold;display:inline;"> and your Guaranteed benefit bases </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Credit and Earnings bonus amounts are not included in your GMIB and GMDB benefit bases. If you decide to transfer amounts from your Investment account to your Protected Benefit account variable investment options, only amounts representing contributions and earnings will increase your benefit bases. Credit and Earnings bonus amounts to your Investment account are considered transferred first, though any amount of that transfer that represents those amounts will be excluded from your Guaranteed benefit bases, except </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">to the extent that any credit and Earnings bonus amounts are part of the Protected Benefit account value, which is used to calculate the Highest Anniversary Value benefit base or a benefit base reset in connection with the GMIB benefit base or the Roll-up to age 85 benefit base (used to calculate the ”Greater of” death benefit). All transfers, however, will increase your Protected Benefit account value by the total amount of the transfer. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On December 1st, you purchase a Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract, make an initial contribution of $100,000 and you also elect the GMIB and the Return of Principal death benefit. You allocate the entire $100,000 contribution to the Investment account variable investment options and $0 to the Protected Benefit account variable investment options. In effect, you have not started to fund your Guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The credit on contributions applied to your contract is $3,000 ($100,000 x 3%), resulting in an initial Investment account value of $103,000. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On December 15th, you decide to fund your Guaranteed benefits by transferring $10,000 to the Protected Benefit account variable investment options. After that transfer, your Protected Benefit account value would be $10,000, but your GMIB benefit base and Return of Principal death benefit base would both be $7,000 ($10,000 – $3,000). This is because credits to your Investment account are always considered transferred first. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65698_116" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">How withdrawals affect your Guaranteed benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Except as otherwise described in this section, withdrawals from your Protected Benefit account will reduce your Guaranteed benefit bases on a pro rata basis. Reduction on a pro rata basis means that we calculate the percentage of your current Protected Benefit account value that is being withdrawn and we reduce your current Guaranteed benefit bases by the same percentage. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example, if your Protected Benefit account value is $30,000 and you withdraw $12,000, you have withdrawn 40% of your Protected Benefit account value. If your Guaranteed benefit base was $40,000 before the withdrawal, it would be reduced by $16,000 ($40,000 X .40) and your new Guaranteed benefit base after the withdrawal would be $24,000 ($40,000 – $16,000). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your Protected Benefit account value is greater than your Guaranteed benefit base, an Excess withdrawal will result in a reduction of your Guaranteed benefit base that will be less than the withdrawal. For example, if your Protected Benefit account value is $30,000 and you withdraw $12,000, you have withdrawn 40% of your Protected Benefit account value. If your Guaranteed benefit base was $20,000 before the withdrawal, it would be reduced by $8,000 ($20,000 X .40) and your new Guaranteed benefit base after the withdrawal would be $12,000 ($20,000 – $8,000). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A pro rata deduction means that if you take a withdrawal that reduces your Guaranteed benefit bases on a pro rata basis and your Protected Benefit account value is less than your Guaranteed benefit base, the amount of the Guaranteed benefit base reduction will exceed the amount of the withdrawal. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For purposes of calculating the adjustment to your Guaranteed benefit bases, the amount of the withdrawal will include the amount of any applicable withdrawal charge. Using the example above, the $12,000 withdrawal would include the withdrawal amount paid to you and the amount of any applicable withdrawal charge deducted from your Protected Benefit account value. For more information on the calculation of the charge, see “Withdrawal charge”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the GMIB with the Highest Anniversary Value death benefit or the “Greater of” death benefit and you take a withdrawal from your Protected Benefit account, your Highest Anniversary Value benefit base for the respective Guaranteed minimum death benefits will be reduced on a dollar-for-dollar basis by withdrawals up to the Annual withdrawal amount, and on a pro rata basis by Excess withdrawals (including any applicable withdrawal charges). <div style="font-weight:bold;display:inline;">Note that any</div><div style="font-weight:bold;display:inline;"> withdrawal from</div><div style="font-weight:bold;display:inline;"> </div><div style="font-weight:bold;display:inline;">your </div><div style="font-weight:bold;display:inline;">Protected Benefit</div><div style="font-weight:bold;display:inline;"> account in the</div><div style="font-weight:bold;display:inline;"> </div><div style="font-weight:bold;display:inline;">first contract year in which the </div><div style="font-weight:bold;display:inline;">Protected Benefit</div><div style="font-weight:bold;display:inline;"> account is funded is an Excess withdrawal.</div><div style="font-weight:bold;display:inline;"> </div>If you take a withdrawal from your Protected Benefit account and you did not elect the GMIB with the Highest Anniversary Value death benefit, your Highest Anniversary Value benefit base will be reduced on a pro rata basis (including any applicable withdrawal charges). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals affect your GMIB benefit base and <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base, as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A withdrawal from your Protected Benefit account in the contract year in which you first fund your Protected Benefit account will reduce your GMIB benefit base and <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account, if your Lifetime GMIB payments have not begun, withdrawals up to your Annual withdrawal amount will not reduce your GMIB benefit base. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account and until the contract date anniversary after age 85, if your Lifetime GMIB payments have not begun, withdrawals up to your Annual withdrawal amount will not reduce your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Beginning on the contract date anniversary after age 85, withdrawals will reduce your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> basis up to your Annual withdrawal amount. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The portion of a withdrawal in excess of your Annual withdrawal amount (“Excess withdrawal”) will always reduce your GMIB benefit base and <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. This means that once a withdrawal is taken that causes the sum of the withdrawals from your Protected Benefit account to exceed the Annual withdrawal amount, that portion of the withdrawal that exceeds the Annual withdrawal amount and any subsequent withdrawals from your Protected Benefit account in that contract year will reduce the GMIB benefit base and <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. </td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals affect your RMD Wealth Guard death benefit base, as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A withdrawal from your Protected Benefit account prior to the calendar year in which you turn age 70½ will be treated as an Excess RMD withdrawal and will reduce your RMD Wealth Guard death benefit base on a pro rata basis. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A withdrawal from your Protected Benefit account beginning from the calendar year in which you turn age 70½ will be treated as a RMD Wealth Guard withdrawal and will count towards your RMD Wealth Guard withdrawal amount. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A withdrawal from your Protected Benefit account beginning from the calendar year in which you turn age 70½ in excess of your RMD Wealth Guard withdrawal amount will be treated as an Excess RMD withdrawal. The portion of a withdrawal in excess of your RMD Wealth Guard withdrawal amount will reduce your RMD Wealth Guard death benefit base on a pro rata basis. This means that once a withdrawal is taken that causes the sum of the withdrawals from your Protected Benefit account to exceed the RMD Wealth Guard withdrawal amount, that portion of the withdrawal that exceeds the RMD Wealth Guard withdrawal amount and any subsequent withdrawals from your Protected Benefit account in that calendar year will reduce the RMD Wealth Guard death benefit base on a pro rata basis. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix "Examples of how withdrawals affect your Guaranteed benefit bases" for examples of how withdrawals affect your Guaranteed benefit bases. For information on how RMD payments affect your Guaranteed benefits, see “Lifetime required minimum distribution withdrawals” in “Accessing your money”. For information on how RMD payments affect your RMD Wealth Guard death benefit, see “RMDs for Traditional IRA and SEP IRA contracts with the RMD Wealth Guard death benefit” in “Accessing your money”. For information about the RMD Wealth Guard death benefit, see “RMD Wealth Guard death benefit”. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65698_117" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Dropping or changing your Guaranteed benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can drop or change your Guaranteed benefits, subject to our rules. Your ability to do so depends on whether you have funded your Protected Benefit account. If you have not funded your Protected Benefit account, we call this a “pre-funding” drop or change. If you have funded your Protected Benefit account, we call this a “post-funding” drop. Also, in order to make a change to your Guaranteed minimum death benefit, you must meet the eligibility requirements for the new benefit. If you drop a Guaranteed benefit, you will not be permitted to add it back to your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Pre-Funding</div> Drop or Change </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Prior to funding your Protected Benefit account, you can drop your GMIB, Guaranteed minimum death benefit, or change your Guaranteed minimum death benefit. For contracts with the GMIB, the Guaranteed minimum death benefit generally cannot be changed without first dropping the GMIB. In Appendix "Dropping or changing your Guaranteed benefits", </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">we provide a chart that lists the possible Guaranteed benefit combinations under the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract and our rules for dropping and changing benefits prior to funding your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Post-Funding Drop </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you funded your Protected Benefit account at issue and contributions to the contract are no longer subject to withdrawal charges, you have the option to drop both your GMIB and Guaranteed minimum death benefit. Also, in some cases, you can drop your GMIB and retain your Guaranteed minimum death benefit. If you funded your Protected Benefit account after issue, you generally cannot drop your Guaranteed benefit(s) until the later of: (i) the contract date anniversary following the date the Protected Benefit account was funded, and (ii) the expiration of all withdrawal charges. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you decide to drop all Guaranteed benefits post-funding, we require that you complete the administrative form we provide for this purpose. You must either take a full withdrawal of your Protected Benefit account or make a <div style="white-space:nowrap;display:inline;">one-time</div> transfer to the Investment account variable investment options and guaranteed interest option. The Guaranteed benefits and any applicable charges will be terminated as of the business day we receive the properly completed administrative form at our processing office. Please note that when a Guaranteed benefit (other than the Return of Principal death benefit) is dropped on any date other than a contract date anniversary, we will deduct a pro rata portion of the charge for that year. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For contracts with the GMIB, the Guaranteed minimum death benefit cannot be dropped without first dropping the GMIB. In Appendix "Dropping or changing your Guaranteed benefits", we provide a chart that lists the possible Guaranteed benefit combinations under the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract and our rules for dropping and changing benefits if you have already funded your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you drop the GMIB from your contract and retain the GMDB, the ATP will no longer be in effect and any account value in the ATP Portfolio will be allocated according to your instructions on file for the Protected Benefit account. If you drop the GMIB from your contract and do not retain the GMDB and you make a one-time transfer to the Protected Benefit account, any account value in the ATP Portfolio will be allocated according to your instructions on file for the Investment account (including the guaranteed interest option). Please note that if you drop the GMIB from your contract, you may not retain the “Greater of“ GMDB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Dropping or changing your Guaranteed benefits in the event of a fee change.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> In the event that we exercise our contractual right to change the fee for the GMIB, “Greater of” death benefit, or RMD Wealth Guard death benefit, you may be given a <div style="white-space:nowrap;display:inline;">one-time</div> opportunity to drop your Guaranteed benefits or change your GMDB if it is not yet funded, subject to our rules. You may drop or change your Guaranteed benefits only within 30 days of the fee change notification. If you have funded your Protected Benefit account and wish to drop your Guaranteed benefits, the requirement that all withdrawal charges have expired will be waived. See “Fee changes for the Guaranteed </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">minimum income benefit and “Greater of” death benefit“ in “Charges and expenses” and Appendix “Dropping or changing your Guaranteed benefits” for more information. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65698_118" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Guaranteed benefit offers </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">From time to time, we may offer you some form of payment or incentive in return for terminating or modifying certain guaranteed benefits. Previously, we made offers to groups of contract owners that provided for an increase in account value in return for terminating their guaranteed death or income benefits. In the future, we may make additional offers to these and other groups of contract owners. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When we make an offer, we may vary the offer amount, up or down, among the same group of contract owners based on certain criteria such as account value , the difference between account value and any applicable benefit base, investment allocations and the amount and type of withdrawals taken. For example, for guaranteed benefits that have benefit bases that can be reduced on either a pro rata or dollar-for-dollar basis, depending on the amount of withdrawals taken, we may consider whether you have taken any withdrawal that has caused a pro rata reduction in your benefit base, as opposed to a dollar-for-dollar reduction. Also, we may increase or decrease offer amounts from offer to offer. In other words, we may make an offer to a group of contract owners based on an offer amount, and, in the future, make another offer based on a higher or lower offer amount to the remaining contract owners in the same group. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you accept an offer that requires you to terminate a guaranteed benefit, we will no longer charge you for it, and you will not be eligible for any future offers related to that type of guaranteed benefit, even if such future offer would have included a greater offer amount or different payment or incentive. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx65698_119" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Other Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx65698_120" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Dollar cost averaging </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We offer a variety of dollar cost averaging programs. Not all of the programs described here are available with each Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract. You may only participate in one program at a time. Each program allows you to gradually allocate amounts to available investment options by periodically transferring approximately the same dollar amount to the investment options you select. Regular allocations to the variable investment options will cause you to purchase more units if the unit value is low and fewer units if the unit value is high. Therefore, you may get a lower average cost per unit over the long term. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">All amounts in a dollar cost averaging program will be transferred at the completion of the time period you select. Currently, our Special DCA programs time periods do not extend beyond 12 months. These plans of investing do not guarantee that you will earn a profit or be protected against losses. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Units measure your value in each variable investment option. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We offer the following dollar cost averaging programs in the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contracts: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Special dollar cost averaging; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Special money market dollar cost averaging; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">General dollar cost averaging; and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Investment simplifier. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The only dollar cost averaging programs that are available to fund your Guaranteed benefits are special dollar cost averaging and special money market dollar cost averaging (together, the “Special DCA programs”). Depending on the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract you own, you will have one of the Special DCA programs available to you, but not both. The Special DCA programs allow you to gradually fund your Protected Benefit account value through systematic transfers to the Protected Benefit account variable investment options. Amounts allocated to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options are included in the benefit bases for your Guaranteed benefits. Also, you may make systematic transfers to the Investment account variable investment options and the guaranteed interest option. Amounts in the account for special money market dollar cost averaging are immediately invested in the EQ/Money Market variable investment option. Only new contributions may be allocated to a Special DCA program. For information on how a Special DCA program may affect certain Guaranteed benefits, see “Guaranteed minimum income benefit” and “Guaranteed minimum death benefits” in this Prospectus. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">General dollar cost averaging and Investment simplifier, on the other hand, can only be used for systematic transfers to your Investment account variable investment options. Our Investment simplifier program is available for scheduled transfers from the guaranteed interest option to the Investment account variable investment options. Our General dollar cost averaging program is available for scheduled transfers from the EQ/Money Market variable investment option to the Investment account variable investment options. Below, we provide detail regarding each of the programs. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Generally, you may not elect both a dollar cost averaging program and a rebalancing option. The only exception is if you elect our Investment simplifier program with Option I under our rebalancing programs, which does not rebalance amounts in the guaranteed interest option. For more information on our rebalancing programs, see “Rebalancing among your Investment account variable investment options and guaranteed interest option” in “Benefits available under the contract.” </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We do not deduct a transfer charge for any transfer made in connection with our dollar cost averaging programs. We may, at any time, exercise our right to terminate transfers to any of the variable investment options and to limit the number of variable investment options which you may elect. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Not all dollar cost averaging programs are available in all states. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, including information on the availability of our dollar cost averaging programs in your state, see Appendix “State contract availability and/or variations of certain features and benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Our Special DCA programs. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">We currently offer the “Special dollar cost averaging program” under the Series B and Series L contracts and the “Special money market dollar cost averaging program” under the Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Special dollar cost averaging </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under the special dollar cost averaging program, you may dollar cost average from the account for special dollar cost averaging, which is part of the general account. We credit daily interest, which will never be less than 1% or the guaranteed lifetime minimum rate for the guaranteed interest option, whichever is greater, to amounts allocated to this account. Currently, the guaranteed lifetime minimum rate is 1.00%. We guarantee to pay the current interest rate that is in effect on the date that your contribution is allocated to this account. That interest rate will apply to that contribution as long as it remains in the account for special dollar cost averaging. The guaranteed interest rate for the time period that you select will be shown in your contract for your initial contribution. We set the interest rates periodically, based on our discretion and according to procedures that we have. We reserve the right to change these procedures. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We will transfer amounts from the account for special dollar cost averaging into the investment options you designate over an available time period that you select. If the special dollar cost averaging program is selected at the time of the application to purchase the contract, a 60 day rate lock will apply from the date of application. Any contribution(s) received during this 60 day period will be credited with the interest rate offered on the date of application for the duration of the special dollar cost averaging time period. Any contribution(s) received after the 60 day rate lock period has ended will be credited with the then current interest rate for the duration of the time period selected. Once the time period you selected has ended, you may select another time period for future contributions. At that time, you may also select a different allocation for transfers to the investment options, or, if you wish, we will continue to use the allocation that you previously made. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Special money market dollar cost averaging </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under the special money market dollar cost averaging program, you may dollar cost average from the account for special money market dollar cost averaging, which is part of the EQ/Money Market variable investment option. We will transfer amounts from the account for special money market dollar cost averaging into the Protected Benefit account variable investment options, the Investment account variable investment options and the guaranteed interest option over an available time period that you select. One of the primary benefits of the special money market dollar cost averaging program is that amounts in the program designated for the </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Protected Benefit account variable investment options count toward your Guaranteed benefits on the business day you establish the program. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under both Special DCA programs, the following applies: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Initial contributions to a Special DCA program must be at least $2,000; subsequent contributions to an existing Special DCA program must be at least $250; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Subsequent contributions to an existing program do not extend the time period of the program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Contributions into a Special DCA program must be new contributions; you may not make transfers from amounts allocated to other investment options to initiate a Special DCA program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">We offer time periods of 3, 6 or 12 months. We may also offer other time periods. You may only have one time period in effect at any time and once you select a time period, you may not change it; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You can enroll in a Special DCA program on your contract application or at any time after your contract has been issued. A program will become effective on the date we receive your first contribution directing us to allocate funds to the account for special dollar cost averaging or special money market dollar cost averaging as applicable. The date we receive your initial contribution will also be the date of the first transfer to the other variable investment options in accordance with your allocation instructions for the program. Each subsequent transfer date for the time period selected will be one month from the date of the previous transfer. If a transfer date falls on a non-business day, the transfer will be made on the next business day. We will transfer all amounts by the end of the chosen time period for your program. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:arial">For example, assume you enroll in a 3-month Special DCA program. On the date we receive your initial contribution (say, $60,000) to the program, your program becomes effective and the first transfer of $20,000 is made immediately in accordance with your program’s allocation instructions. The second transfer of $20,000 will be made one month after your first contribution and the third and final transfer of $20,000 will be made two months after your first contribution; </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The only transfers that will be made from your program are your regularly scheduled transfers to the variable investment options. If you request to transfer any other amounts from your program, we will transfer all of the value that you have remaining in the account to the investment options according to the allocation percentages for the Special DCA program that we have on file for you, and your program will terminate; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Contributions to a Special DCA program may be designated for the Protected Benefit account variable investment options, the Investment account variable investment options and/or the guaranteed interest option, subject to the following: </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If you want to take advantage of one of our Special DCA programs, 100% of your contribution must be allocated to either the account for special dollar cost averaging or the account for special money market dollar cost averaging. In other words, your contribution cannot be split between the Special DCA program and any other investment options available under the contract. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Up to 25% of your Special DCA program may be designated for the guaranteed interest option, even if such a transfer would result in more than 25% of your Total account value being allocated to the guaranteed interest option. See “Transferring your account value” in “Transferring your money among investment options”; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your instructions for the program must match your allocation instructions on file on the day the program is established. If you change your allocation instructions on file while the Special DCA program is in effect, the ratio of amounts allocated to the Protected Benefit account to amounts allocated to the Investment account will not change. However, amounts will be allocated within each account according to your new instructions; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your Guaranteed benefit base(s) will be increased to reflect any contribution to the Special DCA program that you have instructed us to transfer to the Protected Benefit account variable investment options. The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate (or Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate, if applicable) in effect on your contract will apply immediately to any contribution that is designated to be transferred to the Protected Benefit account variable investment options. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate (or Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate, if applicable) in effect will not be applied to credits associated with contributions allocated to the Special DCA program that are designated to be transferred to the Protected Benefit account variable investment options; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">•</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">If we exercise our right to discontinue the acceptance of, and/or place additional limitations on, contributions and transfers into the Protected Benefit account variable investment options, and your Special DCA program has transfers scheduled to the Protected Benefit account variable investment options, the program will continue for its duration. However, subsequent contributions to any Protected Benefit account variable investment options under a Special DCA program will not be permitted; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt;text-align:left">Except for withdrawals made under our Automatic RMD withdrawal service or our other automated withdrawal programs (systematic withdrawals and substantially equal withdrawals), or for the assessment of contract charges, any unscheduled partial withdrawal from your Special DCA program will terminate your Special DCA program. Any amounts remaining in the account after the program terminates will be transferred to the destination investment options according to your Special DCA program allocation instructions. Any withdrawal </div></td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt">which results in a reduction in the Special DCA program amount previously included in your Guaranteed benefit bases will reduce the Guaranteed benefit bases as described. See “How withdrawals affect your Guaranteed benefits” in this Prospectus; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">For contracts with the GMIB, ATP transfers are not taken out of amounts allocated to a Special DCA program. Please see ‘‘Asset transfer program (‘‘ATP’’)’’; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Generally, you may not elect both a dollar cost averaging program and a rebalancing option. The only exception is if you elect our Investment simplifier program with Option I under our rebalancing programs, which does not rebalance amounts in the guaranteed interest option. See “Rebalancing among your Investment account variable investment options and guaranteed interest option” in “Benefits available under the contract” in this Prospectus to learn more about rebalancing; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">All of the dollar cost averaging programs available under your Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contracts can be selected if you enrolled in our Systematic transfer program. However, no amounts will be transferred out of a Special DCA program as part of the Systematic transfer program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A Special DCA program may not be in effect at the same time as a general dollar cost averaging program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The only dollar cost averaging program available to fund your Guaranteed benefits is a Special DCA program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You may cancel your participation at any time. If you terminate your Special DCA program, we will allocate any remaining amounts in your Special DCA program pursuant to your program allocations on file; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If you are dollar cost averaging into the Protected Benefit account variable investment options when you decide to drop all Guaranteed benefits (“post-funding drop”), we will default future transfers designated for the Protected Benefit account variable investment options to the corresponding Investment account variable investment options that invest in the same underlying Portfolios. Also, you can cancel your Special DCA program and accelerate all transfers to the corresponding Investment account variable investment options. See “Dropping or changing your Guaranteed benefits” in this Prospectus and Appendix “Dropping or changing your Guaranteed benefits” for more information; and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">We may offer these programs in the future with transfers on a different basis. Your financial professional can provide information in the time periods and interest rates currently available in your state, or you may contact our processing office. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">General dollar cost averaging program </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your value in the EQ/Money Market variable investment option is at least $5,000, you may choose, at any time, to have a specified dollar amount or percentage of your value </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">transferred from that option to any of the Investment account variable investment options. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, including information on the availability of our general dollar cost averaging program, see Appendix “State contract availability and/or variations of certain features and benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can select to have transfers made on a monthly, quarterly or annual basis. The transfer date will be the same calendar day of the month as the contract date, but not later than the 28th day of the month. You can also specify the number of transfers or instruct us to continue making the transfers until all amounts in the EQ/Money Market variable investment option have been transferred out. The minimum amount that we will transfer each time is $250. The instructions for the program may differ from your allocation instructions on file. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If, on any transfer date, your value in the EQ/Money Market variable investment option is equal to or less than the amount you have elected to have transferred, the entire amount will be transferred. The general dollar cost averaging program will then end. You may change the transfer amount once each contract year or cancel this program at any time. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You may not participate in our optional rebalancing programs if you elect the general dollar cost averaging program. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Investment simplifier </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Fixed-dollar option. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">Under this option, you may elect to have a fixed-dollar amount transferred out of the guaranteed interest option and into the Investment account variable investment options of your choice. Transfers may be made on a monthly, quarterly or annual basis. You can specify the number of transfers or instruct us to continue to make transfers until all available amounts in the guaranteed interest option have been transferred out. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In order to elect the fixed-dollar option, you must have a minimum of $5,000 in the guaranteed interest option on the date we receive your election form at our processing office. The transfer date will be the same calendar day of the month as the contract date but not later than the 28th day of the month. The minimum transfer amount is $50. Also, this option is subject to the guaranteed interest option transfer limitations described under “Transferring your account value” in “Transferring your money among investment options”. While the program is running, any transfer that exceeds those limitations will cause the program to end for that contract year. You will be notified if this occurs. You must send in a request form to resume the program in the next or subsequent contract years. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If, on any transfer date, your value in the guaranteed interest option is equal to or less than the amount you have elected to have transferred, the entire amount will be transferred, provided the transfer complies with the same guaranteed interest option transfer limitations referenced above. If the transfer does not comply with the transfer limitations, the transfer will not be made and the program will end. You may change the transfer amount once each contract year or cancel this program at any time. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Interest sweep option. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">Under this option, you may elect to have monthly transfers from amounts in the guaranteed interest option into the Investment account variable investment options of your choice. The transfer date will be the last business day of the month. The amount we will transfer will be the interest credited to amounts you have in the guaranteed interest option from the last business day of the prior month to the last business day of the current month. You must have at least $7,500 in the guaranteed interest option on the date we receive your election. If the amount in the guaranteed interest option falls below $7,500 at the beginning of the month, no transfer will be made that month. We will automatically cancel the interest sweep program if the amount in the guaranteed interest option is less than $7,500 on the last day of the month for two months in a row. For the interest sweep option, the first monthly transfer will occur on the last business day of the month following the month that we receive your election form at our processing office. Transfers under the Interest sweep option are subject to the guaranteed interest option transfer limitations described under “Transferring your account value” in “Transferring your money among investment options”. </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65698_121" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Rebalancing among your Investment account variable investment options and guaranteed interest option </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We offer two rebalancing programs that you can use to automatically reallocate your Investment account value among your Investment account variable investment options and the guaranteed interest option. Option I allows you to rebalance your Investment account value among the Investment account variable investment options. Option II allows you to rebalance your Investment account value among the Investment account variable investment options and the guaranteed interest option. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">To enroll in one of our rebalancing programs, you must notify us in writing or through the Equitable Client portal and tell us: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(a)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">the percentage you want invested in each investment option (whole percentages only), and </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(b)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">how often you want the rebalancing to occur (quarterly, semiannually, or annually on a contract year basis). </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Rebalancing will occur on the same day of the month as the contract date. If a contract is established after the 28th, rebalancing will occur on the first business day of the month following the contract date. If you elect quarterly rebalancing, the rebalancing in the last quarter of the contract year will occur on the contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Once it is available, you may elect or terminate the rebalancing program at any time. You may also change your allocations under the program at any time. Once enrolled in the rebalancing program, it will remain in effect until you instruct us in writing to terminate the program. Requesting an investment option transfer while enrolled in our rebalancing program will not automatically change your allocation instructions for rebalancing your account value. This means that upon the next scheduled rebalancing, we will transfer amounts among your investment options pursuant to the allocation instructions </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">previously on file for your program. Changes to your allocation instructions for the rebalancing program (or termination of your enrollment in the program) must be in writing and sent to our processing office. Termination requests can be made online through Equitable Client portal. See “How to reach us” in “The Company”. There is no charge for the rebalancing feature. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Rebalancing does not assure a profit or protect against loss. You should periodically review your allocation percentages as your needs change. You may want to discuss the rebalancing program with your financial professional before electing the program. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">While your rebalancing program is in effect, we will transfer amounts among the applicable investment options so that the percentage of your Investment account value that you specify is invested in each option at the end of each rebalancing date. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you select Option II, you will be subject to our rules regarding transfers from the guaranteed interest option to the Investment account variable investment options. These rules are described in “Transferring your account value” in “Transferring your money among investment options”. Under Option II, a transfer into or out of the guaranteed interest option to initiate the rebalancing program will not be permitted if such transfer would violate these rules. If this occurs, the rebalancing program will not go into effect. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You may not elect Option II if you are participating in any dollar cost averaging program. You may not elect Option I if you are participating in special money market dollar cost averaging or general dollar cost averaging. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Our optional rebalancing programs are not available for amounts allocated to the Protected Benefit account variable investment options. For information about rebalancing among the Protected Benefit account variable investment options, see the section below. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65698_122" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Rebalancing among your Protected Benefit account variable investment options </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can rebalance your Protected Benefit account value by submitting a request to rebalance as of the date we receive your request, however, scheduled recurring rebalancing is not available. Therefore, any subsequent rebalancing transactions would require a subsequent rebalancing request. Your rebalance request must indicate the percentage you want rebalanced in each investment option (whole percentages only). You can rebalance only to the investment options available in your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When we rebalance your Protected Benefit account, we will transfer amounts among the investment options so that the percentage of your account value in each option at the end of the rebalancing date matches the most recent allocation instructions that we have on file. Rebalancing does not assure a profit or protect against loss, so you should periodically review your allocation percentages as your needs change. Amounts in the ATP Portfolio are excluded from rebalancing. </div> <div id="tx65698_105" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Summary of Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following tables summarize important information about the benefits available under the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Death Benefits</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These death benefits are available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:9pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:34%"></td> <td style="vertical-align:bottom"></td> <td style="width:6%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Name of Benefit</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Purpose</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Standard/</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Optional</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Annual Fee</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Brief Description of Restrictions/Limitations</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Max</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Current</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Return of Principal Death Benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees beneficiaries will receive a benefit at least equal to your contributions less adjusted withdrawals.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Standard</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Additional<br/> <div style="margin-bottom:1pt; margin-top:0pt; font-size:9pt; font-family:arial;text-align:center">Charge</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Highest Anniversary Value Death Benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Locks in highest adjusted anniversary account value as minimum death benefit.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">0.35%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the RMD Wealth Guard Death Benefit, or the “Greater of” Death Benefit</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">RMD Wealth Guard Death Benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Allows required minimum distributions without reducing the benefit base.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">1.80%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">0.90%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the Highest Anniversary Value Death Benefit, or the “Greater of” Death Benefit</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">“Greater of” Death Benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees the beneficiaries will receive at least the greater of the Roll-up benefit base and the Highest Anniversary Value benefit base.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">1.15%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the Highest Anniversary Value Death Benefit, or the RMD Wealth Guard Death Benefit</div></div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Expressed as an annual percentage of the benefit base </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Living Benefit</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">This living benefit is available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:11%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:34%"></td> <td style="vertical-align:bottom"></td> <td style="width:6%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:34%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Name of<br/>Benefit</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Purpose</div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Standard/</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Optional</div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Annual Fee</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Brief Description of Restrictions/Limitations</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Max</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Current</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Guaranteed minimum income benefit (GMIB)</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees a minimum annuitization value to provide lifetime retirement income.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">1.15%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Cannot be elected with the RMD Wealth Guard Death Benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Expressed as an annual percentage of the benefit base. </div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Other Benefits</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These other benefits are available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:9pt;width:100%;border-spacing:0"> <tr> <td style="width:11%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:37%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:6%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:36%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Name of<br/>Benefit</div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Purpose</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Standard/</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Optional</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Annual Fee</div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Brief Description of Restrictions/Limitations</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Max</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Current</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:arial">Rebalancing Option I<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div> and Option II<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(2)</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Periodically rebalance to your desired asset mix.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Charge</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with DCA</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Account value in the Protected Benefit account cannot be rebalanced</div></div></div></td></tr> <tr style="font-size:1pt"> <td style="BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="height:1.5pt"></td> <td colspan="4" style="BORDER-LEFT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:arial">Dollar Cost Averaging</div><div style="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-0.22em; font-size:9pt; font-family:arial">(special DCA, general DCA, and Investment Simplifier)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Transfer account value to selected investment options on a regular basis to potentially reduce the impact of market volatility.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Charge</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with Rebalancing</div></div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Option I allows you to rebalance your Investment account value among the Investment account variable investment options. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Option II allows you to rebalance your Investment account value among the Investment account variable investment options and the guaranteed interest option. </div></td></tr></table> Return of Principal Death Benefit Guarantees beneficiaries will receive a benefit at least equal to your contributions less adjusted withdrawals. true 0 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div> Highest Anniversary Value Death Benefit Locks in highest adjusted anniversary account value as minimum death benefit. true 0.0035 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the RMD Wealth Guard Death Benefit, or the “Greater of” Death Benefit</div></div></div> RMD Wealth Guard Death Benefit Allows required minimum distributions without reducing the benefit base. true 0.018 0.009 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the Highest Anniversary Value Death Benefit, or the “Greater of” Death Benefit</div></div></div> “Greater of” Death Benefit Guarantees the beneficiaries will receive at least the greater of the Roll-up benefit base and the Highest Anniversary Value benefit base. true 0.023 0.0115 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit, the Highest Anniversary Value Death Benefit, or the RMD Wealth Guard Death Benefit</div></div></div> Guaranteed minimum income benefit (GMIB) Guarantees a minimum annuitization value to provide lifetime retirement income. true 0.023 0.0115 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Cannot be elected with the RMD Wealth Guard Death Benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div> Rebalancing Option I<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div> and Option II<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(2)</div> Periodically rebalance to your desired asset mix. true 0 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with DCA</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Account value in the Protected Benefit account cannot be rebalanced</div></div></div> <div style="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:arial">Dollar Cost Averaging</div><div style="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-0.22em; font-size:9pt; font-family:arial">(special DCA, general DCA, and Investment Simplifier)</div> Transfer account value to selected investment options on a regular basis to potentially reduce the impact of market volatility. true 0 <div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with Rebalancing</div></div> <div id="tx65698_123" style="margin-top:0pt; margin-bottom:0pt; font-size:17.5pt; font-family:arial"><div style="font-weight:bold;display:inline;">3. </div>Principal risks of investing in the contract </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The risks identified below are the principal risks of investing in the contract. The contract may be subject to additional risks other than those identified and described in this prospectus. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65698_124" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Risks associated with variable investment options </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You take all the investment risk for amounts allocated to one or more of the subaccounts, which invest in Portfolios. If the subaccounts you select increase in value, then your Total account value goes up; if they decrease in value, your Total account value goes down. How much your Total account value goes up or down depends on the performance of the Portfolios in which your subaccounts invest. We do not guarantee the investment results of any Portfolio. An investment in the contract is subject to the risk of poor investment performance, and the value of your investment can vary depending on the performance of the selected Portfolio(s), each of which has its own unique risks. You should review the Portfolios before making an investment decision. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65698_125" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Insurance company risk </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">No company other than us has any legal responsibility to pay amounts that we owe under the contract including amounts allocated to the guaranteed interest option. The general obligations and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. You should look solely to our financial strength for our claims-paying ability. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65698_126" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Possible fees on access to total account value </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We may apply fees if you access your Total account value during the accumulation period or surrender your contract. For example, in addition to possible tax consequences, you may incur fees for accessing your Total account value such as a withdrawal charge, transfer fee, third party transfer or exchange fee, annual administrative expense, base contract expense, and/or a charge for any optional benefits. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65698_127" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Possible adverse tax consequences </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The tax considerations associated with the contract vary and can be complicated. The applicable tax rules can differ, depending on the type of contract, whether NQ, traditional IRA, Roth IRA or QP. The tax consequences discussed in this Prospectus are general in nature and describe only federal income tax law (not state, local, foreign or other federal tax laws). Moreover, the tax aspects that apply to a particular person’s contract may vary depending on the facts applicable to that person. Tax rules may change without notice. We cannot predict whether, when, or how these rules could change. Any change could affect contracts purchased </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">before the change. Congress may also consider further proposals to comprehensively reform or overhaul the United States tax and retirement systems, which if enacted, could affect the tax benefits of a contract. We cannot predict what, if any, legislation will actually be proposed or enacted. Before making contributions to your contract or taking other action related to your contract, you should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals are generally subject to income tax, and may be subject to tax penalties if taken before age 59<div style="vertical-align:top;display:inline;font-size:9.2px">1</div>⁄<div style="vertical-align:bottom;display:inline;font-size:9.2px">2</div>. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65698_128" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Not a short-term investment </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle and you should consider whether investing in the contract is consistent with the purpose for which the investment is being considered. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65698_129" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Risk of loss </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">All investments have risks to some degree and it is possible that you could lose money by investing in the contract. An investment in the contract is not a deposit with a bank and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65698_148" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Optional Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Investment options are limited if Guaranteed benefits are elected. Guaranteed benefits are funded through the Protected Benefit account variable investment options and once a withdrawal is taken from the Protected Benefit account, you cannot make additional contributions to the Protected Benefit account. We may limit or stop accepting contributions and transfers to the Protected Benefit account variable investment options which means you may no longer be able to increase your Protected Benefit account value and the benefit bases associated with your Guaranteed benefits through contributions and transfers. Excess withdrawals may terminate or significantly reduce the value of your optional benefits. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="pro65698_510" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Contract changes risk </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We may, at any time, exercise our rights to limit or terminate your contributions, allocations and transfers to any of the variable investment options (including the Protected Benefit account variable options). We reserve the right, subject to compliance with laws that apply, to </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">remove variable investment options from the Separate Account, to combine any two or more variable investment options, to restrict or eliminate any voting rights as to the Separate Account, to limit or terminate contributions or transfers into any of the variable investment options, and to limit the number of variable investment options you may select. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You should evaluate whether our ability to make the changes described above, and your ability to react to such changes, are appropriate based on your investment goals. When such changes occur, you should also evaluate whether those changes are appropriate based on your investment goals and, if not, you should evaluate your options under the Contract, which may be limited and may have negative consequences associated with them, as described in this section. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65698_149" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Series CP</div><div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="font-family:arial;display:inline;"><div style="font-weight:bold;display:inline;"></div></div><div style="font-weight:bold;display:inline;"> Contracts </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The fees and charges for Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts are higher than for Series B contracts and the amount of the credit may be more than offset by these higher fees and charges. Credits may be recaptured upon free look, annuitization and death. Withdrawals may limit credits for subsequent contributions. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65698_150" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Limitations on access to cash value through withdrawals </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals may be subject to withdrawal charges, income tax and may be subject to tax penalties if taken before age 59<div style="vertical-align:top;display:inline;font-size:9.2px">1</div>⁄<div style="vertical-align:bottom;display:inline;font-size:9.2px">2</div>. The minimum partial withdrawal amount is $300. Withdrawals will reduce your Total account value and optional benefit bases and the amount of the reduction may be greater than the dollar amount of the withdrawal. Excess withdrawals may terminate or significantly reduce the value of your optional benefits. Certain withdrawals may also terminate your contract. Withdrawals from Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts may limit credits for subsequent contributions. If you take a withdrawal from the Protected benefit account, you cannot make additional contributions to the Protected benefit account. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="pro65698_150a" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Availability by financial intermediary </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">Some financial intermediaries (e.g., selling broker-dealer firms) may not offer and/or may limit the offering of certain investment options, contract benefits, and other contract features based on issue age or other criteria established by the selling broker-dealer. For example, your financial professional may not recommend a particular investment option or contract benefit to you that is described in this Prospectus. Before you purchase the contract, you should discuss with your financial professional any limitations, restrictions, or other variations related to the investment options, contract benefits or other contract features available to you through your financial professional. If a particular feature that interests you is not recommended through your broker-dealer, you may want to contact us to explore its availability. </div></div><div id="pro65698_520" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Business disruption, cybersecurity, and artificial intelligence (“AI”) technologies risks </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We rely heavily on technology, including interconnected computer systems and data storage networks and digital communications, to conduct our business. Because our business is highly dependent upon the effective operation of our computer systems and those of our service providers and other business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyberattacks. Cyberattacks may be systemic (e.g., affecting the internet, cloud services, or other infrastructure) or targeted (e.g., failures in or breach of our systems or those of third parties on whom we rely, including ransomware and malware attacks). Cybersecurity risks include, among other things, the loss, theft, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on our websites (or the websites of third parties on whom we rely), other operational disruption and unauthorized release, use or abuse of confidential customer information. The risk of cyberattacks may be higher during periods of geopolitical turmoil. Due to the increasing sophistication of cyberattacks, a cybersecurity breach could occur and persist for an extended period of time without detection. Systems failures and cyberattacks, as well as, any other catastrophic event, including natural and man-made disasters, public health emergencies, pandemic diseases, terrorist attacks, floods or severe storms affecting us, any third-party administrator, the underlying funds, intermediaries and other affiliated or third-party service providers may adversely affect us, our business operations and your account value and interfere with our ability to process contract transactions and calculate account values. Systems failures and cyberattacks may also interfere with our processing of contract transactions, including the processing of orders from our website or with the underlying funds, impact our ability to calculate account values and unit values and/or the underlying funds to be unable to calculate share values, cause the release or possible destruction of confidential customer and/or business information, impede order processing or cause other operational issues, subject us and/or our service providers and intermediaries to regulatory fines, litigation and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the underlying funds invest, which may cause the underlying funds to lose value. The preventative actions we take to reduce the frequency and severity of cybersecurity incidents and protect our computer systems may be insufficient to prevent a cybersecurity breach from impacting our operations or your contract value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid cybersecurity breaches affecting your contract. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The development and deployment of AI tools and technologies, including generative AI, and its use and anticipated use by us or by third parties on whom we rely, may increase our existing operational risks or create new operational risks that we are not currently anticipating. AI and generative AI may be misused by us or by third parties upon which we rely, and that risk is increased by the relative newness of the technology, the speed at which it is being adopted, and the uncertain and evolving policy and regulatory landscape governing its use. Such misuse could expose us to legal or regulatory risk. Because the generative AI technology is so new, many of the potential risks of generative AI are currently unknowable. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In addition, we are also exposed to risks related to natural and man-made disasters, including, but not limited to, the occurrence of any storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts or any other event, which could adversely affect our ability to conduct business. A natural or man-made disaster, including a pandemic such as COVID-19, could result in our workforce, and/or employees of service providers and/or third-party administrators, being compromised and unable or unwilling to fully perform their responsibilities, which could likewise result in interruptions in our service. This could interfere with our processing of contract transactions, including processing orders from owners and orders with the underlying funds, impact our ability to calculate contract value, or have other adverse impacts on our operations. These events may also negatively affect our service providers and intermediaries, the underlying funds and issuers of securities in which the underlying funds invest, which may cause the funds underlying your contract to lose value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid negative impacts associated with natural and man-made disasters. </div> <div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <div id="tx65698_124" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Risks associated with variable investment options </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You take all the investment risk for amounts allocated to one or more of the subaccounts, which invest in Portfolios. If the subaccounts you select increase in value, then your Total account value goes up; if they decrease in value, your Total account value goes down. How much your Total account value goes up or down depends on the performance of the Portfolios in which your subaccounts invest. We do not guarantee the investment results of any Portfolio. An investment in the contract is subject to the risk of poor investment performance, and the value of your investment can vary depending on the performance of the selected Portfolio(s), each of which has its own unique risks. You should review the Portfolios before making an investment decision. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx65698_125" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Insurance company risk </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">No company other than us has any legal responsibility to pay amounts that we owe under the contract including amounts allocated to the guaranteed interest option. The general obligations and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. You should look solely to our financial strength for our claims-paying ability. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx65698_126" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Possible fees on access to total account value </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We may apply fees if you access your Total account value during the accumulation period or surrender your contract. For example, in addition to possible tax consequences, you may incur fees for accessing your Total account value such as a withdrawal charge, transfer fee, third party transfer or exchange fee, annual administrative expense, base contract expense, and/or a charge for any optional benefits. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx65698_127" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Possible adverse tax consequences </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The tax considerations associated with the contract vary and can be complicated. The applicable tax rules can differ, depending on the type of contract, whether NQ, traditional IRA, Roth IRA or QP. The tax consequences discussed in this Prospectus are general in nature and describe only federal income tax law (not state, local, foreign or other federal tax laws). Moreover, the tax aspects that apply to a particular person’s contract may vary depending on the facts applicable to that person. Tax rules may change without notice. We cannot predict whether, when, or how these rules could change. Any change could affect contracts purchased </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">before the change. Congress may also consider further proposals to comprehensively reform or overhaul the United States tax and retirement systems, which if enacted, could affect the tax benefits of a contract. We cannot predict what, if any, legislation will actually be proposed or enacted. Before making contributions to your contract or taking other action related to your contract, you should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals are generally subject to income tax, and may be subject to tax penalties if taken before age 59<div style="vertical-align:top;display:inline;font-size:9.2px">1</div>⁄<div style="vertical-align:bottom;display:inline;font-size:9.2px">2</div>. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx65698_128" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Not a short-term investment </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle and you should consider whether investing in the contract is consistent with the purpose for which the investment is being considered. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx65698_129" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Risk of loss </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">All investments have risks to some degree and it is possible that you could lose money by investing in the contract. An investment in the contract is not a deposit with a bank and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx65698_148" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Optional Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Investment options are limited if Guaranteed benefits are elected. Guaranteed benefits are funded through the Protected Benefit account variable investment options and once a withdrawal is taken from the Protected Benefit account, you cannot make additional contributions to the Protected Benefit account. We may limit or stop accepting contributions and transfers to the Protected Benefit account variable investment options which means you may no longer be able to increase your Protected Benefit account value and the benefit bases associated with your Guaranteed benefits through contributions and transfers. Excess withdrawals may terminate or significantly reduce the value of your optional benefits. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="pro65698_510" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Contract changes risk </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We may, at any time, exercise our rights to limit or terminate your contributions, allocations and transfers to any of the variable investment options (including the Protected Benefit account variable options). We reserve the right, subject to compliance with laws that apply, to </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">remove variable investment options from the Separate Account, to combine any two or more variable investment options, to restrict or eliminate any voting rights as to the Separate Account, to limit or terminate contributions or transfers into any of the variable investment options, and to limit the number of variable investment options you may select. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You should evaluate whether our ability to make the changes described above, and your ability to react to such changes, are appropriate based on your investment goals. When such changes occur, you should also evaluate whether those changes are appropriate based on your investment goals and, if not, you should evaluate your options under the Contract, which may be limited and may have negative consequences associated with them, as described in this section. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx65698_149" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Series CP</div><div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="font-family:arial;display:inline;"><div style="font-weight:bold;display:inline;"></div></div><div style="font-weight:bold;display:inline;"> Contracts </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The fees and charges for Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts are higher than for Series B contracts and the amount of the credit may be more than offset by these higher fees and charges. Credits may be recaptured upon free look, annuitization and death. Withdrawals may limit credits for subsequent contributions. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx65698_150" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Limitations on access to cash value through withdrawals </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals may be subject to withdrawal charges, income tax and may be subject to tax penalties if taken before age 59<div style="vertical-align:top;display:inline;font-size:9.2px">1</div>⁄<div style="vertical-align:bottom;display:inline;font-size:9.2px">2</div>. The minimum partial withdrawal amount is $300. Withdrawals will reduce your Total account value and optional benefit bases and the amount of the reduction may be greater than the dollar amount of the withdrawal. Excess withdrawals may terminate or significantly reduce the value of your optional benefits. Certain withdrawals may also terminate your contract. Withdrawals from Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts may limit credits for subsequent contributions. If you take a withdrawal from the Protected benefit account, you cannot make additional contributions to the Protected benefit account. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="pro65698_150a" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Availability by financial intermediary </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">Some financial intermediaries (e.g., selling broker-dealer firms) may not offer and/or may limit the offering of certain investment options, contract benefits, and other contract features based on issue age or other criteria established by the selling broker-dealer. For example, your financial professional may not recommend a particular investment option or contract benefit to you that is described in this Prospectus. Before you purchase the contract, you should discuss with your financial professional any limitations, restrictions, or other variations related to the investment options, contract benefits or other contract features available to you through your financial professional. If a particular feature that interests you is not recommended through your broker-dealer, you may want to contact us to explore its availability. </div></div> <div id="pro65698_520" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Business disruption, cybersecurity, and artificial intelligence (“AI”) technologies risks </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We rely heavily on technology, including interconnected computer systems and data storage networks and digital communications, to conduct our business. Because our business is highly dependent upon the effective operation of our computer systems and those of our service providers and other business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyberattacks. Cyberattacks may be systemic (e.g., affecting the internet, cloud services, or other infrastructure) or targeted (e.g., failures in or breach of our systems or those of third parties on whom we rely, including ransomware and malware attacks). Cybersecurity risks include, among other things, the loss, theft, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on our websites (or the websites of third parties on whom we rely), other operational disruption and unauthorized release, use or abuse of confidential customer information. The risk of cyberattacks may be higher during periods of geopolitical turmoil. Due to the increasing sophistication of cyberattacks, a cybersecurity breach could occur and persist for an extended period of time without detection. Systems failures and cyberattacks, as well as, any other catastrophic event, including natural and man-made disasters, public health emergencies, pandemic diseases, terrorist attacks, floods or severe storms affecting us, any third-party administrator, the underlying funds, intermediaries and other affiliated or third-party service providers may adversely affect us, our business operations and your account value and interfere with our ability to process contract transactions and calculate account values. Systems failures and cyberattacks may also interfere with our processing of contract transactions, including the processing of orders from our website or with the underlying funds, impact our ability to calculate account values and unit values and/or the underlying funds to be unable to calculate share values, cause the release or possible destruction of confidential customer and/or business information, impede order processing or cause other operational issues, subject us and/or our service providers and intermediaries to regulatory fines, litigation and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the underlying funds invest, which may cause the underlying funds to lose value. The preventative actions we take to reduce the frequency and severity of cybersecurity incidents and protect our computer systems may be insufficient to prevent a cybersecurity breach from impacting our operations or your contract value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid cybersecurity breaches affecting your contract. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The development and deployment of AI tools and technologies, including generative AI, and its use and anticipated use by us or by third parties on whom we rely, may increase our existing operational risks or create new operational risks that we are not currently anticipating. AI and generative AI may be misused by us or by third parties upon which we rely, and that risk is increased by the relative newness of the technology, the speed at which it is being adopted, and the uncertain and evolving policy and regulatory landscape governing its use. Such misuse could expose us to legal or regulatory risk. Because the generative AI technology is so new, many of the potential risks of generative AI are currently unknowable. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In addition, we are also exposed to risks related to natural and man-made disasters, including, but not limited to, the occurrence of any storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts or any other event, which could adversely affect our ability to conduct business. A natural or man-made disaster, including a pandemic such as COVID-19, could result in our workforce, and/or employees of service providers and/or third-party administrators, being compromised and unable or unwilling to fully perform their responsibilities, which could likewise result in interruptions in our service. This could interfere with our processing of contract transactions, including processing orders from owners and orders with the underlying funds, impact our ability to calculate contract value, or have other adverse impacts on our operations. These events may also negatively affect our service providers and intermediaries, the underlying funds and issuers of securities in which the underlying funds invest, which may cause the funds underlying your contract to lose value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid negative impacts associated with natural and man-made disasters. </div> <div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <div id="tx65698_1001" style="margin-top:0pt; margin-bottom:0pt; font-size:17.5pt; font-family:arial">Appendix: Investment options available under the contract </div> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Variable Investment Options </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following is a list of Portfolio Companies available under the contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at www.equitable.com/ICSR#EQH153086. You can request this information at no cost by calling 1-877-522-5035 or by sending an email request to EquitableFunds@dfinsolutions.com. If you elect a Guaranteed benefit, you may only invest in the Portfolios listed in the Protected Benefit account table below. </div> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The current expenses and performance information below reflects fee and expenses of the Portfolios, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance. </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Affiliated Portfolio Companies: </div></div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:63%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;">Current</div></div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Expenses </div></div> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company — Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;">Sub-Adviser(s), as applicable</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT DoubleLine Opportunistic Bond — Equitable Investment Management Group, LLC (“EIMG”); DoubleLine Capital LP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.91</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.25</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.27</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Equity Income — EIMG; Barrow, Hanley, Mewhinney & Strauss, LLC d/b/a Barrow Hanley Global Investors</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.04</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.25</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT GAMCO Mergers & Acquisitions — EIMG; GAMCO Asset Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.29</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.91</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.70</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.38%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT GAMCO Small Company Value — EIMG; GAMCO Asset Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.05</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.82</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.24</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT High Yield Bond — EIMG; AXA Investment Managers US Inc., Post Advisory Group, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.02</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.54</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.92</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Natural Resources — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">28.04</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Real Estate — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.67</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.69</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.28%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Small Cap Value — EIMG; BlackRock Investment Management, LLC, Horizon Kinetics Asset Management LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.23</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.11</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.44</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.19%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/AB Dynamic GrowthΔ — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.89</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.60</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.95%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/AB Dynamic Moderate GrowthΔ — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.13</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.46</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.31</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/AB Small Cap Growth — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.92</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.21</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.43</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Aggressive Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.01</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.17</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/All Asset Growth Allocation — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.25</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.18</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.12</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.28%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/American Century Mid Cap Value — EIMG; American Century Investment Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.72</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.64</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Balanced Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.05</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.68</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Common Stock Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.67</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.30</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.50</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.54%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Conservative Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.32</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.76</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Conservative Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.86</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Core Bond Index(1) — EIMG; SSGA Funds Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.43</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.35</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.70%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Core Plus Bond — EIMG; Brandywine Global Investment Management, LLC, Loomis, Sayles & Company, L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.58</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.68</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Emerging Markets Equity PLUS — EIMG; AllianceBernstein L.P., EARNEST Partners, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.20</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33.46</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.64</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Equity 500 Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.53</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.24</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.79</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.16%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Fidelity Institutional AM® Large Cap — EIMG; FIAM LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.87</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">18.34</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.86</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Franklin Rising Dividends — EIMG; Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.87</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.84</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.50</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Goldman Sachs Mid Cap Value — EIMG; Goldman Sachs Asset Management L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.09</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.22</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.66</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Goldman Sachs Moderate Growth AllocationΔ — EIMG; Goldman Sachs Asset Management L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.02</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.02</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.76%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td> </tr> </table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:63%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;">Current</div></div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Expenses </div></div> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company — Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Sub-Adviser(s),</div> as applicable</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.44</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Intermediate Government Bond(1) — EIMG; SSGA Funds Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.54</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.30</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/International Core Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26.12</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.52</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/International Equity Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31.53</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.91</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Comstock — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.93</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.99</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.71%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Global — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.40</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.59%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Global Real Assets — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.16</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.93</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.11</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Moderate AllocationΔ — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.42</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.29%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Janus Enterprise — EIMG; Janus Henderson Investors US LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.04</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.05</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/JPMorgan Growth Stock — EIMG; J.P. Morgan Investment Management Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.96</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.76</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.43</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/JPMorgan Hedged Equity and Premium Income¥Δ — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.41</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.65</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Large Cap Growth Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.71</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.74</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.51</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.26%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Large Cap Value Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.74</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.04</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.52</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Large Cap Value Managed Volatility† — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.86</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.62</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.69</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Lazard Emerging Markets Equity — EIMG; Lazard Asset Management LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.35</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">42.06</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.84</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Loomis Sayles Growth — EIMG; Loomis, Sayles & Company, L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.03</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.08</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.72</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.87%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS International Growth — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">20.90</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS International Intrinsic Value — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32.95</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.99</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS Mid Cap Focused Growth — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.60</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.09</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS Technology — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.24</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS Utilities Series — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.05</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.65</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.33</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Mid Cap Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.64</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.80</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.42</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.99%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Mid Cap Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.98</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.20%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Moderate Allocation† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.08</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.20</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.12</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Moderate Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.98</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.83</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.67</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Cash/Cash Equivalent</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Money Market* — EIMG; Dreyfus, a division of Mellon Investments Corporation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.67</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.66</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.79</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Global Real Return — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.74</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.52</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Real Return — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.22</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.95</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.24</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Total Return ESG — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.75</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.70</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.14</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Ultra Short Bond — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.80</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.47</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Small Company Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.63</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.57</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.16</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.44%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/T. Rowe Price Health Sciences — EIMG; T. Rowe Price Associates, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.20</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.21</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Ultra Conservative Strategy†# — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.56</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.25</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Value Equity — EIMG; Aristotle Capital Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.91</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.01</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.65</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Wellington Energy — EIMG; Wellington Management Company LLP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.19</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.17</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Equitable Conservative Growth MF/ETF Portfolio — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.03</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Multimanager Aggressive Equity — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.99</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.30</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.47</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Multimanager Technology — EIMG; AllianceBernstein L.P., FIAM LLC, Wellington Management Company LLP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.23</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">25.87</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.46</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">^</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This Portfolio’s annual expenses reflect temporary fee reductions. </div></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">Δ</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">Certain other affiliated Portfolios, as well as unaffiliated Portfolios, may utilize volatility management techniques (including Fund of Fund Portfolios that invest in other Portfolios that utilize volatility management techniques) that differ from the EQ volatility management strategy. Affiliated Portfolios that utilize these volatility management techniques are identified in the chart by a “<div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">Δ</div>”. Any such unaffiliated Portfolio is not identified in the chart. See “Portfolios of the Trusts” for more information regarding volatility management. </div></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">†</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">EQ Managed Volatility Portfolios that include the EQ volatility management strategy as part of their investment objective and/or principal investment strategy, and the EQ/affiliated Fund of Fund Portfolios that invest in Portfolios that use the EQ volatility management strategy, are identified in the chart by a “†“. See “Portfolios of the Trusts” for more information regarding volatility management. </div></div> </td> </tr> </table> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td> </tr> </table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">*</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The Portfolio operates as a “government money market fund.” The Portfolio will invest at least 99.5% of its total assets in U.S. government securities, cash, and/or repurchase agreements that are fully collateralized by U.S. government securities or cash. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">#</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The ATP Portfolio is part of the asset transfer program. You may not directly allocate a contribution to or request a transfer of account value into this investment option. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">¥</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">“<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">J.P. Morgan” and “JPMorgan” are registered trademarks of J.P. Morgan Chase Bank, NA (“JPMC”) and have been licensed for use by Equitable Investment Management Group, LLC. EQ/JPMorgan Hedged Equity and Premium Income Portfolio is not sponsored, endorsed, or promoted by JPMC and JPMC makes no representation regarding the advisability of investing in EQ/JPMorgan Hedged Equity and Premium Income Portfolio.</div></div></div> </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">Effective on or about June 29, 2026, and subject to shareholder approval, SSGA Funds Management, Inc. will be replaced as a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">sub-adviser</div> to the Portfolio (or an allocated portion thereof) with AllianceBernstein L.P. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Unaffiliated Portfolio Companies: </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:66%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Current </div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Expenses </div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company — Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;">Sub-Adviser(s), as applicable</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">American Funds Insurance Series® Global Small Capitalization Fund — Capital Research and Management Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.33</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.23%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.96%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">American Funds Insurance Series® New World Fund® — Capital Research and Management Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.07</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">27.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.06%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">American Funds Insurance Series® The Bond Fund of America® — Capital Research and Management Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.98</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.38%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.11%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">BlackRock Global Allocation V.I. Fund — BlackRock Advisors, LLC; BlackRock International Limited, BlackRock (Singapore) Limited</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.01</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.51</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.51%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.33%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">BlackRock Large Cap Focus Growth V.I. Fund — BlackRock Advisors, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.02</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.48</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.19%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Eaton Vance VT Floating-Rate Income Fund — Eaton Vance Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.19</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.94</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.64%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.43%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Fidelity® VIP Mid Cap Portfolio — Fidelity Management and Research Company (FMR)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.80</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.49</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.83%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.31%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Fidelity® VIP Strategic Income Portfolio — Fidelity Management and Research Company (FMR)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.88</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.58</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.79%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Franklin Allocation VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.82</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.60</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.73%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Franklin Income VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.56</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.66%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.30%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Hartford Disciplined Equity HLS Fund — Hartford Funds Management Company, LLC; Wellington Management Company LLP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.09</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.75</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.51%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.90%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Invesco V.I. Diversified Dividend Fund — Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.93</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.44</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.53%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Invesco V.I. Equity and Income Fund — Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.82</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.52</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.68%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.64%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Lord Abbett Bond Debenture Portfolio (VC) — Lord, Abbett & Co. LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.98</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.33</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.10%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.72%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">MFS® Massachusetts Investors Growth Stock Portfolio — Massachusetts Financial Services Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.74%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Nomura VIP Asset Strategy Series — Delaware Management Company; Macquarie Investment Management Global Limited</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.77</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.66</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.07%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.84%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Nomura VIP High Income Series — Delaware Management Company; Nomura Corporate Research and Asset Management Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.17</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.73%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">PIMCO CommodityRealReturn® Strategy Portfolio — Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.29</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">18.85</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.44%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">ProFund VP Biotechnology — ProFund Advisors LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.60</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">34.03</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.50%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Templeton Emerging Markets VIP Fund(1) — Templeton Asset Management Ltd.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.37</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">46.27</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.46%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Templeton Global Bond VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.75</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.73</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.96%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.15%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">VanEck VIP Global Resources Fund — Van Eck Associates Corporation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.32</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">36.17</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.24%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">^</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This Portfolio’s annual expenses reflect temporary fee reductions. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This is the variable investment option’s new name. The variable investment option’s former name is Templeton Developing Markets VIP Fund which may continue to be used in certain documents for a period of time after the date of this prospectus. </div></div></td></tr></table> The following is a list of Portfolio Companies available under the contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at www.equitable.com/ICSR#EQH153086. You can request this information at no cost by calling 1-877-522-5035 or by sending an email request to EquitableFunds@dfinsolutions.com. If you elect a Guaranteed benefit, you may only invest in the Portfolios listed in the Protected Benefit account table below. <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The current expenses and performance information below reflects fee and expenses of the Portfolios, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance. </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Affiliated Portfolio Companies: </div></div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:63%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;">Current</div></div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Expenses </div></div> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company — Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;">Sub-Adviser(s), as applicable</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT DoubleLine Opportunistic Bond — Equitable Investment Management Group, LLC (“EIMG”); DoubleLine Capital LP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.91</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.25</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.27</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Equity Income — EIMG; Barrow, Hanley, Mewhinney & Strauss, LLC d/b/a Barrow Hanley Global Investors</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.04</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.25</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT GAMCO Mergers & Acquisitions — EIMG; GAMCO Asset Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.29</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.91</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.70</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.38%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT GAMCO Small Company Value — EIMG; GAMCO Asset Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.05</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.82</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.24</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT High Yield Bond — EIMG; AXA Investment Managers US Inc., Post Advisory Group, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.02</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.54</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.92</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Natural Resources — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">28.04</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Real Estate — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.67</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.69</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.28%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Small Cap Value — EIMG; BlackRock Investment Management, LLC, Horizon Kinetics Asset Management LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.23</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.11</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.44</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.19%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/AB Dynamic GrowthΔ — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.89</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.60</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.95%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/AB Dynamic Moderate GrowthΔ — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.13</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.46</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.31</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/AB Small Cap Growth — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.92</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.21</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.43</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Aggressive Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.01</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.17</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/All Asset Growth Allocation — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.25</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.18</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.12</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.28%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/American Century Mid Cap Value — EIMG; American Century Investment Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.72</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.64</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Balanced Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.05</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.68</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Common Stock Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.67</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.30</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.50</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.54%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Conservative Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.32</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.76</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Conservative Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.86</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Core Bond Index(1) — EIMG; SSGA Funds Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.43</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.35</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.70%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Core Plus Bond — EIMG; Brandywine Global Investment Management, LLC, Loomis, Sayles & Company, L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.58</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.68</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Emerging Markets Equity PLUS — EIMG; AllianceBernstein L.P., EARNEST Partners, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.20</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33.46</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.64</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Equity 500 Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.53</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.24</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.79</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.16%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Fidelity Institutional AM® Large Cap — EIMG; FIAM LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.87</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">18.34</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.86</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Franklin Rising Dividends — EIMG; Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.87</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.84</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.50</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Goldman Sachs Mid Cap Value — EIMG; Goldman Sachs Asset Management L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.09</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.22</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.66</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Goldman Sachs Moderate Growth AllocationΔ — EIMG; Goldman Sachs Asset Management L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.02</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.02</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.76%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td> </tr> </table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:63%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;">Current</div></div> <div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Expenses </div></div> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cccccc"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company — Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Sub-Adviser(s),</div> as applicable</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.44</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Intermediate Government Bond(1) — EIMG; SSGA Funds Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.54</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.30</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/International Core Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26.12</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.52</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/International Equity Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31.53</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.91</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Comstock — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.93</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.99</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.71%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Global — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.40</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.59%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Global Real Assets — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.16</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.93</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.11</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Moderate AllocationΔ — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.42</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.29%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Janus Enterprise — EIMG; Janus Henderson Investors US LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.04</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.05</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/JPMorgan Growth Stock — EIMG; J.P. Morgan Investment Management Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.96</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.76</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.43</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/JPMorgan Hedged Equity and Premium Income¥Δ — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.41</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.65</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Large Cap Growth Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.71</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.74</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.51</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.26%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Large Cap Value Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.74</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.04</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.52</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Large Cap Value Managed Volatility† — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.86</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.62</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.69</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Lazard Emerging Markets Equity — EIMG; Lazard Asset Management LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.35</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">42.06</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.84</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Loomis Sayles Growth — EIMG; Loomis, Sayles & Company, L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.03</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.08</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.72</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.87%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS International Growth — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">20.90</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS International Intrinsic Value — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32.95</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.99</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS Mid Cap Focused Growth — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.60</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.09</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS Technology — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.24</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.06</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS Utilities Series — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.05</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.65</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.33</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Mid Cap Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.64</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.80</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.42</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.99%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Mid Cap Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.98</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.20%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Moderate Allocation† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.08</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.20</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.12</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Moderate Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.98</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.83</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.67</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Cash/Cash Equivalent</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Money Market* — EIMG; Dreyfus, a division of Mellon Investments Corporation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.67</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.66</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.79</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Global Real Return — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.74</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.52</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Real Return — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.22</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.95</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.24</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Total Return ESG — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.75</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.70</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.14</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Ultra Short Bond — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.80</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.47</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Small Company Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.63</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.57</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.16</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.44%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/T. Rowe Price Health Sciences — EIMG; T. Rowe Price Associates, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.20</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.21</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.62</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Ultra Conservative Strategy†# — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.56</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.25</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Value Equity — EIMG; Aristotle Capital Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.91</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.01</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.65</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Wellington Energy — EIMG; Wellington Management Company LLP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.19</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.17</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.90</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Equitable Conservative Growth MF/ETF Portfolio — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.03</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.95</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Multimanager Aggressive Equity — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.99</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.30</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.47</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Multimanager Technology — EIMG; AllianceBernstein L.P., FIAM LLC, Wellington Management Company LLP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.23</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">25.87</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.46</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">^</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This Portfolio’s annual expenses reflect temporary fee reductions. </div></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">Δ</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">Certain other affiliated Portfolios, as well as unaffiliated Portfolios, may utilize volatility management techniques (including Fund of Fund Portfolios that invest in other Portfolios that utilize volatility management techniques) that differ from the EQ volatility management strategy. Affiliated Portfolios that utilize these volatility management techniques are identified in the chart by a “<div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">Δ</div>”. Any such unaffiliated Portfolio is not identified in the chart. See “Portfolios of the Trusts” for more information regarding volatility management. </div></div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">†</div></td> <td style="vertical-align:top;text-align:left"> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">EQ Managed Volatility Portfolios that include the EQ volatility management strategy as part of their investment objective and/or principal investment strategy, and the EQ/affiliated Fund of Fund Portfolios that invest in Portfolios that use the EQ volatility management strategy, are identified in the chart by a “†“. See “Portfolios of the Trusts” for more information regarding volatility management. </div></div> </td> </tr> </table> <div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td> </tr> </table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">*</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The Portfolio operates as a “government money market fund.” The Portfolio will invest at least 99.5% of its total assets in U.S. government securities, cash, and/or repurchase agreements that are fully collateralized by U.S. government securities or cash. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">#</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The ATP Portfolio is part of the asset transfer program. You may not directly allocate a contribution to or request a transfer of account value into this investment option. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">¥</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">“<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">J.P. Morgan” and “JPMorgan” are registered trademarks of J.P. Morgan Chase Bank, NA (“JPMC”) and have been licensed for use by Equitable Investment Management Group, LLC. EQ/JPMorgan Hedged Equity and Premium Income Portfolio is not sponsored, endorsed, or promoted by JPMC and JPMC makes no representation regarding the advisability of investing in EQ/JPMorgan Hedged Equity and Premium Income Portfolio.</div></div></div> </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">Effective on or about June 29, 2026, and subject to shareholder approval, SSGA Funds Management, Inc. will be replaced as a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">sub-adviser</div> to the Portfolio (or an allocated portion thereof) with AllianceBernstein L.P. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Unaffiliated Portfolio Companies: </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:66%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Current </div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;"><div style="display:inline;"> Expenses </div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company — Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;">Sub-Adviser(s), as applicable</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">American Funds Insurance Series® Global Small Capitalization Fund — Capital Research and Management Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.33</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.23%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.96%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">American Funds Insurance Series® New World Fund® — Capital Research and Management Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.07</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">27.93</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.06%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">American Funds Insurance Series® The Bond Fund of America® — Capital Research and Management Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.98</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.38%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.11%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">BlackRock Global Allocation V.I. Fund — BlackRock Advisors, LLC; BlackRock International Limited, BlackRock (Singapore) Limited</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.01</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.51</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.51%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.33%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">BlackRock Large Cap Focus Growth V.I. Fund — BlackRock Advisors, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.02</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.48</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.19%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Eaton Vance VT Floating-Rate Income Fund — Eaton Vance Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.19</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.94</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.64%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.43%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Fidelity® VIP Mid Cap Portfolio — Fidelity Management and Research Company (FMR)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.80</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.49</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.83%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.31%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Fidelity® VIP Strategic Income Portfolio — Fidelity Management and Research Company (FMR)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.88</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.58</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.79%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Franklin Allocation VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.82</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.60</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.73%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Franklin Income VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.56</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.66%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.30%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Hartford Disciplined Equity HLS Fund — Hartford Funds Management Company, LLC; Wellington Management Company LLP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.09</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.75</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.51%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.90%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Invesco V.I. Diversified Dividend Fund — Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.93</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.44</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.53%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Invesco V.I. Equity and Income Fund — Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.82</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.52</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.68%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.64%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Lord Abbett Bond Debenture Portfolio (VC) — Lord, Abbett & Co. LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.98</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.33</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.10%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.72%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">MFS® Massachusetts Investors Growth Stock Portfolio — Massachusetts Financial Services Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.61</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.74%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Nomura VIP Asset Strategy Series — Delaware Management Company; Macquarie Investment Management Global Limited</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.77</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.66</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.07%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.84%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Nomura VIP High Income Series — Delaware Management Company; Nomura Corporate Research and Asset Management Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.17</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.73%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">PIMCO CommodityRealReturn® Strategy Portfolio — Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.29</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">18.85</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.44%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">ProFund VP Biotechnology — ProFund Advisors LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.60</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">34.03</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.50%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Templeton Emerging Markets VIP Fund(1) — Templeton Asset Management Ltd.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.37</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">46.27</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.46%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Templeton Global Bond VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.75</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">%^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.73</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.96%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.15%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">VanEck VIP Global Resources Fund — Van Eck Associates Corporation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.32</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">36.17</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">% </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.24%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">^</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This Portfolio’s annual expenses reflect temporary fee reductions. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This is the variable investment option’s new name. The variable investment option’s former name is Templeton Developing Markets VIP Fund which may continue to be used in certain documents for a period of time after the date of this prospectus. </div></div></td></tr></table> Fixed Income 1290 VT DoubleLine Opportunistic Bond Equitable Investment Management Group, LLC (“EIMG”) DoubleLine Capital LP 0.0091 0.0725 0.0027 0.0212 Equity 1290 VT Equity Income EIMG Barrow, Hanley, Mewhinney & Strauss, LLC d/b/a Barrow Hanley Global Investors 0.0095 0.1304 0.1125 0.0885 Specialty 1290 VT GAMCO Mergers & Acquisitions EIMG GAMCO Asset Management, Inc. 0.0129 0.1591 0.077 0.0538 Equity 1290 VT GAMCO Small Company Value EIMG GAMCO Asset Management, Inc. 0.0105 0.1282 0.1124 0.1077 Fixed Income 1290 VT High Yield Bond EIMG AXA Investment Managers US Inc., Post Advisory Group, LLC 0.0102 0.0754 0.0392 0.0541 Specialty 1290 VT Natural Resources EIMG AllianceBernstein L.P. 0.009 0.2804 0.1606 0.0942 Specialty 1290 VT Real Estate EIMG AllianceBernstein L.P. 0.009 0.0967 0.0269 0.0328 Equity 1290 VT Small Cap Value EIMG BlackRock Investment Management, LLC, Horizon Kinetics Asset Management LLC 0.0123 0.0611 0.1344 0.1119 Asset Allocation EQ/AB Dynamic Growth EIMG AllianceBernstein L.P. 0.0115 0.1489 0.076 0.0695 Asset Allocation EQ/AB Dynamic Moderate Growth EIMG AllianceBernstein L.P. 0.0113 0.1346 0.0631 0.0612 Equity EQ/AB Small Cap Growth EIMG AllianceBernstein L.P. 0.0092 0.0921 0.0343 0.101 Asset Allocation EQ/Aggressive Growth Strategy EIMG 0.0101 0.1217 0.0761 0.0904 Asset Allocation EQ/All Asset Growth Allocation EIMG 0.0125 0.1718 0.0712 0.0828 Equity EQ/American Century Mid Cap Value EIMG American Century Investment Management, Inc. 0.01 0.0872 0.0864 0 Asset Allocation EQ/Balanced Strategy EIMG 0.0097 0.1005 0.0468 0.0608 Equity EQ/Common Stock Index EIMG AllianceBernstein L.P. 0.0067 0.163 0.125 0.1354 Asset Allocation EQ/Conservative Growth Strategy EIMG 0.0097 0.0932 0.0376 0.051 Asset Allocation EQ/Conservative Strategy EIMG 0.0095 0.0786 0.0193 0.0312 Fixed Income EQ/Core Bond Index EIMG SSGA Funds Management, Inc. 0.0062 0.0643 0.0035 0.017 Fixed Income EQ/Core Plus Bond EIMG Brandywine Global Investment Management, LLC, Loomis, Sayles & Company, L.P. 0.0093 0.0858 -0.0068 0.0217 Equity EQ/Emerging Markets Equity PLUS EIMG AllianceBernstein L.P., EARNEST Partners, LLC 0.012 0.3346 0.0464 0.0773 Equity EQ/Equity 500 Index EIMG AllianceBernstein L.P. 0.0053 0.1724 0.1379 0.1416 Equity EQ/Fidelity Institutional AM® Large Cap EIMG FIAM LLC 0.0087 0.1834 0.1386 0 Equity EQ/Franklin Rising Dividends EIMG Franklin Advisers, Inc. 0.0087 0.1184 0.095 0 Equity EQ/Goldman Sachs Mid Cap Value EIMG Goldman Sachs Asset Management L.P. 0.0109 0.0922 0.0966 0 Asset Allocation EQ/Goldman Sachs Moderate Growth Allocation EIMG Goldman Sachs Asset Management L.P. 0.0115 0.1002 0.0502 0.0576 Asset Allocation EQ/Growth Strategy EIMG 0.01 0.1144 0.0661 0.0807 Fixed Income EQ/Intermediate Government Bond EIMG SSGA Funds Management, Inc. 0.0062 0.0554 0.003 0.0115 Equity EQ/International Core Managed Volatility EIMG BlackRock Investment Management, LLC 0.0106 0.2612 0.0752 0.0748 Equity EQ/International Equity Index EIMG AllianceBernstein L.P. 0.0072 0.3153 0.0991 0.0807 Equity EQ/Invesco Comstock EIMG Invesco Advisers, Inc. 0.01 0.1693 0.1499 0.1171 Equity EQ/Invesco Global EIMG Invesco Advisers, Inc. 0.011 0.154 0.0695 0.1059 Specialty EQ/Invesco Global Real Assets EIMG Invesco Advisers, Inc. 0.0116 0.1593 0.0711 0 Asset Allocation EQ/Invesco Moderate Allocation EIMG Invesco Advisers, Inc. 0.0115 0.0942 0.0461 0.0529 Equity EQ/Janus Enterprise EIMG Janus Henderson Investors US LLC 0.0104 0.0805 0.0706 0.1061 Equity EQ/JPMorgan Growth Stock EIMG J.P. Morgan Investment Management Inc. 0.0096 0.1476 0.0943 0.1408 Asset Allocation EQ/JPMorgan Hedged Equity and Premium Income¥ EIMG 0.0115 0.1241 0.0465 0 Equity EQ/Large Cap Growth Index EIMG AllianceBernstein L.P. 0.0071 0.1774 0.1451 0.1726 Equity EQ/Large Cap Value Index EIMG AllianceBernstein L.P. 0.0074 0.1504 0.1052 0.0977 Equity EQ/Large Cap Value Managed Volatility EIMG AllianceBernstein L.P. 0.0086 0.1062 0.0969 0.0956 Equity EQ/Lazard Emerging Markets Equity EIMG Lazard Asset Management LLC 0.0135 0.4206 0.1084 0 Equity EQ/Loomis Sayles Growth EIMG Loomis, Sayles & Company, L.P. 0.0103 0.1308 0.1272 0.1587 Equity EQ/MFS International Growth EIMG Massachusetts Financial Services Company d/b/a MFS Investment Management 0.011 0.209 0.069 0.0961 Equity EQ/MFS International Intrinsic Value EIMG Massachusetts Financial Services Company d/b/a MFS Investment Management 0.0115 0.3295 0.0699 0 Equity EQ/MFS Mid Cap Focused Growth EIMG Massachusetts Financial Services Company d/b/a MFS Investment Management 0.011 0.056 0.0509 0 Specialty EQ/MFS Technology EIMG Massachusetts Financial Services Company d/b/a MFS Investment Management 0.011 0.1624 0.1206 0 Specialty EQ/MFS Utilities Series EIMG Massachusetts Financial Services Company d/b/a MFS Investment Management 0.0105 0.1465 0.0733 0 Equity EQ/Mid Cap Index EIMG AllianceBernstein L.P. 0.0064 0.068 0.0842 0.0999 Equity EQ/Mid Cap Value Managed Volatility EIMG BlackRock Investment Management, LLC 0.0097 0.0498 0.0762 0.082 Asset Allocation EQ/Moderate Allocation EIMG 0.0108 0.102 0.0412 0.0577 Asset Allocation EQ/Moderate Growth Strategy EIMG 0.0098 0.1083 0.0567 0.0708 Cash/Cash Equivalent EQ/Money Market EIMG Dreyfus, a division of Mellon Investments Corporation 0.0067 0.0366 0.0279 0.0173 Fixed Income EQ/PIMCO Global Real Return EIMG Pacific Investment Management Company LLC 0.0274 0.0552 -0.009 0.0248 Fixed Income EQ/PIMCO Real Return EIMG Pacific Investment Management Company LLC 0.0222 0.0795 0.0124 0 Fixed Income EQ/PIMCO Total Return ESG EIMG Pacific Investment Management Company LLC 0.0075 0.087 -0.0014 0 Fixed Income EQ/PIMCO Ultra Short Bond EIMG Pacific Investment Management Company LLC 0.008 0.0447 0.0293 0.0232 Equity EQ/Small Company Index EIMG AllianceBernstein L.P. 0.0063 0.1257 0.0616 0.0944 Specialty EQ/T. Rowe Price Health Sciences EIMG T. Rowe Price Associates, Inc. 0.012 0.1921 0.0362 0 Asset Allocation EQ/Ultra Conservative Strategy EIMG 0.009 0.0656 0.0125 0.0208 Equity EQ/Value Equity EIMG Aristotle Capital Management, LLC 0.0091 0.1101 0.0865 0.0847 Specialty EQ/Wellington Energy EIMG Wellington Management Company LLP 0.0119 0.1217 0.179 0 Asset Allocation Equitable Conservative Growth MF/ETF Portfolio EIMG 0.011 0.1203 0.0495 0.0685 Equity Multimanager Aggressive Equity EIMG AllianceBernstein L.P. 0.0099 0.163 0.1147 0.1566 Specialty Multimanager Technology EIMG AllianceBernstein L.P., FIAM LLC, Wellington Management Company LLP 0.0123 0.2587 0.1246 0.1941 Equity American Funds Insurance Series® Global Small Capitalization Fund Capital Research and Management Company 0.0115 0.1433 0.0023 0.0696 Equity American Funds Insurance Series® New World Fund® Capital Research and Management Company 0.0107 0.2793 0.0506 0.0898 Fixed Income American Funds Insurance Series® The Bond Fund of America® Capital Research and Management Company 0.0072 0.0698 -0.0038 0.0211 Asset Allocation BlackRock Global Allocation V.I. Fund BlackRock Advisors, LLC BlackRock International Limited, BlackRock (Singapore) Limited 0.0101 0.1951 0.0551 0.0733 Equity BlackRock Large Cap Focus Growth V.I. Fund BlackRock Advisors, LLC 0.0102 0.1148 0.1019 0.1598 Specialty Eaton Vance VT Floating-Rate Income Fund Eaton Vance Management 0.0119 0.0394 0.0464 0.0443 Equity Fidelity® VIP Mid Cap Portfolio Fidelity Management and Research Company (FMR) 0.008 0.1149 0.0983 0.1031 Fixed Income Fidelity® VIP Strategic Income Portfolio Fidelity Management and Research Company (FMR) 0.0088 0.0858 0.0279 0.044 Asset Allocation Franklin Allocation VIP Fund Franklin Advisers, Inc. 0.0082 0.126 0.0573 0.0732 Asset Allocation Franklin Income VIP Fund Franklin Advisers, Inc. 0.0072 0.1256 0.0766 0.073 Equity Hartford Disciplined Equity HLS Fund Hartford Funds Management Company, LLC Wellington Management Company LLP 0.0109 0.1375 0.1151 0.129 Equity Invesco V.I. Diversified Dividend Fund Invesco Advisers, Inc. 0.0093 0.1544 0.1053 0.0893 Asset Allocation Invesco V.I. Equity and Income Fund Invesco Advisers, Inc. 0.0082 0.1252 0.0868 0.0864 Fixed Income Lord Abbett Bond Debenture Portfolio (VC) Lord, Abbett & Co. LLC 0.0098 0.0833 0.021 0.0472 Equity MFS® Massachusetts Investors Growth Stock Portfolio Massachusetts Financial Services Company 0.0097 0.0961 0.0974 0.1398 Asset Allocation Nomura VIP Asset Strategy Series Delaware Management Company Macquarie Investment Management Global Limited 0.0077 0.1666 0.0707 0.0784 Fixed Income Nomura VIP High Income Series Delaware Management Company Nomura Corporate Research and Asset Management Inc. 0.0097 0.0717 0.0373 0.0556 Specialty PIMCO CommodityRealReturn® Strategy Portfolio Pacific Investment Management Company LLC 0.0329 0.1885 0.1044 0.0642 Specialty ProFund VP Biotechnology ProFund Advisors LLC 0.016 0.3403 0.095 0.0741 Equity Templeton Emerging Markets VIP Fund Templeton Asset Management Ltd. 0.0137 0.4627 0.0546 0.104 Fixed Income Templeton Global Bond VIP Fund Franklin Advisers, Inc. 0.0075 0.1573 -0.0096 -0.0015 Specialty VanEck VIP Global Resources Fund Van Eck Associates Corporation 0.0132 0.3617 0.1024 0.0806 <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Protected Benefit Account Restrictions </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Amounts you allocate to the Protected Benefit account variable investment options fund your Guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:49%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:50%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td colspan="3" style="BORDER:0.75pt solid #000000; padding-left:8pt; padding-right:2pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Protected Benefit Account Variable Investment Options</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="padding-bottom:2pt ;BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">EQ/AB Dynamic Growth</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="padding-bottom:2pt ;BORDER-RIGHT:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">EQ/Goldman Sachs Moderate Growth Allocation</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="padding-bottom:2pt ;BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">EQ/AB Dynamic Moderate Growth</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="padding-bottom:2pt ;BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"><div style="display:inline;">EQ/Growth Strategy</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="padding-bottom:2pt ;BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">EQ/Aggressive Growth Strategy</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="padding-bottom:2pt ;BORDER-RIGHT:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"><div style="display:inline;">EQ/Invesco Moderate Allocation</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="padding-bottom:2pt ;BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">EQ/Balanced Strategy</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="padding-bottom:2pt ;BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"><div style="display:inline;">EQ/JPMorgan Hedged Equity and Premium Income</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="padding-bottom:2pt ;BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">EQ/Conservative Growth Strategy</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="padding-bottom:2pt ;BORDER-RIGHT:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"><div style="display:inline;">EQ/Moderate Growth Strategy</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">EQ/Conservative Strategy</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"><div style="display:inline;">EQ/Ultra Conservative Strategy<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1) </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The ATP Portfolio is part of the asset transfer program. You may not directly allocate a contribution to or request a transfer of account value into this investment option. </div></td></tr></table> true true true true true true true true true true true true <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Fixed Investment Options </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following is a list of Fixed investment options currently available under the Contract. We may change the features of the Fixed investment options listed below, offer new Fixed investment options, and terminate existing Fixed investment options. We will provide you with written notice before doing so. If you elect a Guaranteed benefit, you may not invest in the Fixed investment options and may only invest in the Portfolios listed in the Protected Benefit account table above. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See “Fixed investment options” in “Purchasing the contract” in the Prospectus for a description of the Fixed investment options’ features. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:31%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:34%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum Guaranteed Interest Rate</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Guaranteed interest option</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">N/A</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top">1.00%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Account for special dollar cost averaging</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">3 - 12 months</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top">1.00%</td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following is a list of Fixed investment options currently available under the Contract. We may change the features of the Fixed investment options listed below, offer new Fixed investment options, and terminate existing Fixed investment options. We will provide you with written notice before doing so. If you elect a Guaranteed benefit, you may not invest in the Fixed investment options and may only invest in the Portfolios listed in the Protected Benefit account table above. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See “Fixed investment options” in “Purchasing the contract” in the Prospectus for a description of the Fixed investment options’ features. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:31%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:34%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum Guaranteed Interest Rate</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Guaranteed interest option</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">N/A</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top">1.00%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Account for special dollar cost averaging</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">3 - 12 months</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top">1.00%</td></tr></table> Guaranteed interest option 0.01 Account for special dollar cost averaging P12M 0.01 <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">FEES AND EXPENSES</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Are There Charges or Adjustments for Early Withdrawals?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> Each series of the contract provides for different withdrawal charge periods and percentages.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series B of the contract within 7 years following your last contribution, you will be assessed a withdrawal charge of up to 7% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $7,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> of the contract within 9 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series L of the contract within 4 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial">For additional information about charges for surrenders and early withdrawals see “Withdrawal charge” in “Charges and expenses” in the Prospectus.</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Are There Transaction Charges?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> In addition to withdrawal charges, you may also be charged for other transactions including special requests such as wire transfers, express mail, duplicate contracts, preparing checks, third-party transfers or exchanges; or when you transfer between investment options in excess a certain number.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial">For additional information about transaction charges see “Charges that the Company deducts” in “Charges and expenses” in the Prospectus.</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Are There Ongoing Fees and Expenses?</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> Each series of the contract provides for different ongoing fees and expenses.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">The table below describes the fees and expenses that you may pay <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div>, depending on the investment options and optional benefits you choose. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:4%"></td> <td style="width:15%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:15%"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Minimum</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Maximum</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Base Contract (varies by contract series)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">1.30%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">1.70%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Portfolio Company fees and expenses<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">0.54%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">3.48%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Optional benefits available for an additional charge (for a single optional benefit, if elected)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(3)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">0.35%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">2.30%</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="font-size:1pt"> <td style="height:0.75pt"></td> <td colspan="2" style="height:0.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(1) Expressed as an annual percentage of daily net assets in the variable investment options.</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(2) Expressed as an annual percentage of daily net assets in the Portfolio. This range is for the year ended December 31, 2025 and could change from year to year.</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(3) Expressed as an annual percentage of the applicable benefit base.</div></div><div></div></td></tr></table> <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.375pt;"></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><br/></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div>, based on current charges. This estimate assumes no credits and that you do not take withdrawals from the contract, <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">which could add withdrawal charges that substantially increase costs.</div></div></div></div><div></div><div style="line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:47%"></td> <td style="vertical-align:bottom;width:5%"></td> <td style="width:48%"></td></tr> <tr style="font-size:1pt"> <td style="BORDER-TOP:0.75pt solid #000000;height:3.75pt;background-color:#d8d8d8"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000;height:3.75pt;background-color:#d8d8d8"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Lowest Annual Cost<br/>$1,695</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Highest Annual Cost<br/>$7,324</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Assumes:</div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Investment of $100,000</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">5% annual appreciation</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Least expensive combination of contract series and Portfolio fees and expenses</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No optional benefits</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No sales charges</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No additional contributions, transfers or withdrawals</div></div></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Assumes:</div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Investment of $100,000</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">5% annual appreciation</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Most expensive combination of contract series (Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div>), optional benefits (GMIB and "Greater of" death benefit) and Portfolio fees and expenses</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No sales charges</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No additional contributions, transfers or withdrawals</div></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000;height:3.75pt"> </td></tr></table><div style="margin-top: 0px; margin-bottom: 0px;"> </div> <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top">For additional information about ongoing fees and expenses see “Fee Table” in the Prospectus.</td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> Each series of the contract provides for different withdrawal charge periods and percentages.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series B of the contract within 7 years following your last contribution, you will be assessed a withdrawal charge of up to 7% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $7,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> of the contract within 9 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div>—If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series L of the contract within 4 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial">For additional information about charges for surrenders and early withdrawals see “Withdrawal charge” in “Charges and expenses” in the Prospectus.</div> 7 0.07 7000 9 0.08 8000 4 0.08 8000 <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> In addition to withdrawal charges, you may also be charged for other transactions including special requests such as wire transfers, express mail, duplicate contracts, preparing checks, third-party transfers or exchanges; or when you transfer between investment options in excess a certain number.</div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:arial">For additional information about transaction charges see “Charges that the Company deducts” in “Charges and expenses” in the Prospectus.</div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Are There Ongoing Fees and Expenses?</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> Each series of the contract provides for different ongoing fees and expenses.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">The table below describes the fees and expenses that you may pay <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div>, depending on the investment options and optional benefits you choose. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:64%"></td> <td style="vertical-align:bottom;width:4%"></td> <td style="width:15%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:15%"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Minimum</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Maximum</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Base Contract (varies by contract series)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">1.30%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">1.70%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Portfolio Company fees and expenses<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">0.54%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">3.48%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Optional benefits available for an additional charge (for a single optional benefit, if elected)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(3)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">0.35%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">2.30%</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="font-size:1pt"> <td style="height:0.75pt"></td> <td colspan="2" style="height:0.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(1) Expressed as an annual percentage of daily net assets in the variable investment options.</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(2) Expressed as an annual percentage of daily net assets in the Portfolio. This range is for the year ended December 31, 2025 and could change from year to year.</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(3) Expressed as an annual percentage of the applicable benefit base.</div></div><div></div></td></tr></table> 0.013 0.017 0.0054 0.0348 0.0035 0.023 Expressed as an annual percentage of daily net assets in the variable investment options. Expressed as an annual percentage of daily net assets in the Portfolio. This range is for the year ended December 31, 2025 and could change from year to year. Expressed as an annual percentage of the applicable benefit base. <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.375pt;"></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><br/></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div>, based on current charges. This estimate assumes no credits and that you do not take withdrawals from the contract, <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">which could add withdrawal charges that substantially increase costs.</div></div></div></div><div></div><div style="line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:47%"></td> <td style="vertical-align:bottom;width:5%"></td> <td style="width:48%"></td></tr> <tr style="font-size:1pt"> <td style="BORDER-TOP:0.75pt solid #000000;height:3.75pt;background-color:#d8d8d8"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000;height:3.75pt;background-color:#d8d8d8"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Lowest Annual Cost<br/>$1,695</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Highest Annual Cost<br/>$7,324</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Assumes:</div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Investment of $100,000</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">5% annual appreciation</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Least expensive combination of contract series and Portfolio fees and expenses</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No optional benefits</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No sales charges</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No additional contributions, transfers or withdrawals</div></div></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Assumes:</div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Investment of $100,000</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">5% annual appreciation</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Most expensive combination of contract series (Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div>), optional benefits (GMIB and "Greater of" death benefit) and Portfolio fees and expenses</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No sales charges</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No additional contributions, transfers or withdrawals</div></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000;height:3.75pt"> </td></tr></table><div style="margin-top: 0px; margin-bottom: 0px;"> </div> <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top">For additional information about ongoing fees and expenses see “Fee Table” in the Prospectus.</td></tr></table> 1695 7324 <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">RISKS</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Is There a Risk of Loss from Poor Performance?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> The contract is subject to the risk of loss. You could lose some or all of your account value depending on the investment options you choose.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about the risk of loss see “Principal risks of investing in the Contract” in the Prospectus.</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Is this a Short-Term Investment?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">No.</div></div> The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle. A withdrawal charge may apply in certain circumstances and any withdrawals may also be subject to federal and state income taxes and tax penalties.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about the investment profile of the contract see “Fee Table” in the Prospectus.</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">What Are the Risks Associated with the Investment Options?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">An investment in the contract is subject to the risk of poor investment performance and can vary depending on the performance of the variable investment options available under the contract, (e.g., the Portfolios). Each investment option, including the guaranteed interest option, has its own unique risks. You should review the investment options available under the contract before making an investment decision.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about the risks associated with investment options see “Variable investment options”, “Fixed investment options” and “Portfolios of the Trusts” in "Purchasing the Contract" in the Prospectus. See also Appendix "Investment options available under the contract" in the Prospectus.</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">What Are the Risks Related to the Insurance Company?</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">An investment in the contract is subject to the risks related to the Company. The Company is solely responsible to the contract owner for the contract’s account value and the Guaranteed benefits. The general obligations, including the fixed investment options, and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. An owner should look solely to our financial strength for our claims-paying ability. More information about the Company, including our financial strength ratings, may be obtained at https://equitable.com/about-us/financial-strength-ratings.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about insurance company risks see “About the general account” in “More information” in the Prospectus.</div></td></tr></table> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> The contract is subject to the risk of loss. You could lose some or all of your account value depending on the investment options you choose.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about the risk of loss see “Principal risks of investing in the Contract” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">No.</div></div> The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle. A withdrawal charge may apply in certain circumstances and any withdrawals may also be subject to federal and state income taxes and tax penalties.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about the investment profile of the contract see “Fee Table” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">An investment in the contract is subject to the risk of poor investment performance and can vary depending on the performance of the variable investment options available under the contract, (e.g., the Portfolios). Each investment option, including the guaranteed interest option, has its own unique risks. You should review the investment options available under the contract before making an investment decision.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about the risks associated with investment options see “Variable investment options”, “Fixed investment options” and “Portfolios of the Trusts” in "Purchasing the Contract" in the Prospectus. See also Appendix "Investment options available under the contract" in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">An investment in the contract is subject to the risks related to the Company. The Company is solely responsible to the contract owner for the contract’s account value and the Guaranteed benefits. The general obligations, including the fixed investment options, and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. An owner should look solely to our financial strength for our claims-paying ability. More information about the Company, including our financial strength ratings, may be obtained at https://equitable.com/about-us/financial-strength-ratings.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about insurance company risks see “About the general account” in “More information” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> We may, at any time, exercise our rights to limit or terminate your contributions, allocations and transfers to any of the variable investment options (including the Protected Benefit account variable investment options) and to limit the number of variable investment options which you may select. Such rights include, among others, removing or substituting the Portfolios, combining any two or more variable investment options and transferring account value from any variable investment option to another variable investment option.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">Credits under Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts may be recaptured upon free look, annuitization, and death.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">There are restrictions regarding investment options if Guaranteed benefits are elected, limits on contributions and transfers into and out of the guaranteed interest option, and restrictions or limitations with Special DCA programs. See "Allocating your contributions" in "Purchasing the Contract" and "Transferring your account value" in "Transferring your money among investment options" in the Prospectus for more information.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For more information see “About The Separate Account” in “More information” in the Prospectus.</div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for any transfers in excess of 12 per contract year. We will provide you with advance notice if we decide to assess the transfer charge, which will never exceed $35 per transfer.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">Contributions and transfers into and out of the guaranteed interest option are limited.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about restrictions on the investment options, see “Transfer charge” in “Charges and expenses”, “Portfolios of the Trusts” and “Guaranteed Interest Option” in "Purchasing the Contract" and “Transferring your money among investment options” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> At any time, we have the right to limit or terminate your contributions, allocations and transfers to any of the variable investment options. If you have one or more Guaranteed benefits (which are also known as optional benefits) and we exercise our right to discontinue the acceptance of, and/or place additional limitations on, contributions to the contract and/or contributions and/ or transfers into the Protected Benefit account variable investment options, you may no longer be able to fund your Guaranteed benefit(s).</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">Investment options are limited if Guaranteed benefits are elected. Withdrawals that exceed limits specified by the terms of an optional benefit may affect the availability of the benefits by reducing the benefit by an amount greater than the value withdrawn, and/or could terminate the benefit.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">The standard and optional death benefits offered with the contract are available only at contract purchase. Withdrawals could significantly reduce or terminate the death benefit.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about the optional benefits see “How you can purchase and contribute to your contract” in "Purchasing the Contract" in the Prospectus. See also "Death Benefits" and "Living Benefits" in "Benefits available under the contract" in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">You should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the contract. There is no additional tax benefit to you if the contract is purchased through a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">tax-qualified</div> plan or individual retirement account (IRA). Withdrawals will be subject to ordinary income tax and may be subject to tax penalties. Generally, you are not taxed until you make a withdrawal from the contract.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about tax implications see “Tax information” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">Some financial professionals may receive compensation for selling the contract to you, both in the form of commissions or in the form of contribution-based compensation. Financial professionals may also receive additional compensation for enhanced marketing opportunities and other services (commonly referred to as “marketing allowances”). This conflict of interest may influence the financial professional to recommend this contract over another investment.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about compensation to financial professionals see “Distribution of the contracts” in “More information” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">Some financial professionals may have a financial incentive to offer a new contract in place of the one you already own. You should only exchange your contract if you determine, after comparing the features, fees, and risks of both contracts, as well as any fees or penalties to terminate your existing contract, that it is preferable to purchase the new contract rather than continue to own your existing contract.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about exchanges see “Charge for third-party transfer or exchange” in “Charges and expenses” in the Prospectus.</div> <div id="tx42760_4" style="margin-top:0pt; margin-bottom:0pt; font-size:17.5pt; font-family:arial">Fee table </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The following tables describe the fees and expenses that you will pay when buying, owning, surrendering or making withdrawals from an investment option or from the contract. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The first table describes fees and expenses that you will pay at the time that you buy the contract, surrender or make withdrawals from an investment option or the contract, or transfer account value between investment options. Charges designed to approximate certain taxes that may be imposed on us, such as premium taxes in your state, may also apply.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:60%"></td> <td style="vertical-align:bottom;width:11%"></td> <td></td> <td style="vertical-align:bottom;width:12%"></td> <td></td> <td style="vertical-align:bottom;width:44%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="9" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Transaction Expenses</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:67%"></td> <td style="vertical-align:bottom;width:4%"></td> <td></td> <td style="vertical-align:bottom;width:5%"></td> <td></td> <td style="vertical-align:bottom;width:5%"></td> <td></td> <td style="vertical-align:bottom;width:4%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 1px solid rgb(0, 0, 0); display: table-cell; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Series B</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 1px solid rgb(0, 0, 0); display: table-cell; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 1px solid rgb(0, 0, 0); display: table-cell; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Series L</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Sales Load Imposed on Purchases (as a percentage of purchase payments)</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Withdrawal Charge (as a percentage of contributions withdrawn)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Transfer Fee<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Third Party Transfer or Exchange Fee<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(3)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Special Service Charges<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates if you make a withdrawal, surrender your contract to receive its cash value, or, if offered, surrender your contract to apply your cash value to a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-life</div> contingent annuity payment option. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:29%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000;vertical-align:top"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="19" style="BORDER-TOP:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">charge as a % of contribution for each year following contribution</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10+</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series B</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">4%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Series L</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">8%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">7%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">6%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">5%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for transfers in excess of 12 transfers per contract year. We will charge no more than $35 for each transfer at the time each transfer is processed. See “Transfer charge” under “Charges that the Company deducts” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Currently, we do not charge for third party transfers or exchanges. However, we reserve the right to discontinue this waiver at any time, with or without notice. The maximum third party transfer or exchange fee is $125. The current charge (which, as described above is waived) is $65. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Special service charges include (1) express mail charge; (2) wire transfer charge; (3) duplicate contract charge; and (4) check preparation charge. The current maximum charge for each service is $90. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. </div></td></tr></table><div style="margin-top:0pt;margin-bottom:-6pt"> </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The next table describes the fees and expenses that you will pay </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;">each year </div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">during the time that you own the contract (not including Portfolio fees and expenses). If you choose to purchase an optional benefit, you will pay additional charges, as shown below.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="9" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Annual Contract Expenses</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:58%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.5px;"></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> <td style="white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div></td> <td style="white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Annual Administrative Charge<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Base Contract Expenses (as a percentage of daily net assets in the variable investment options)</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.30%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.65%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.70%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;">Optional Benefits Expenses</div> (as a percentage of the benefit base)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)(3)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Guaranteed minimum death benefit charges</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">Return of Principal death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top;text-align:center">No additional<br/>charge</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> <br/></td> <td style="vertical-align:top;text-align:center">No additional<br/>charge</td> <td style="white-space:nowrap;vertical-align:top"> <br/> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> <br/></td> <td style="vertical-align:top;text-align:center">No additional<br/>charge</td> <td style="white-space:nowrap;vertical-align:top"> <br/> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">Highest Anniversary Value death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top">0.35%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">0.35%</td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">0.35%</td> <td style="white-space:nowrap;vertical-align:top"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">“Greater of” death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top;white-space:nowrap">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="white-space:nowrap;vertical-align:top">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="white-space:nowrap;vertical-align:top">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="white-space:nowrap;vertical-align:top"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guaranteed minimum income benefit charge</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The annual administrative charge is deducted from your account value on each contract date anniversary. If the contract is surrendered or annuitized or a death benefit is paid on any date other than the contract date anniversary, we will deduct a pro rata portion of the administrative charge for that year. If your account value on a contract date anniversary is $50,000 or more there is no charge. During the first two contract years this charge, if applicable, is equal to the lesser of $30 or 2% of your Total account value. Thereafter, the charge, if applicable, is $30 for each contract year. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The benefit base is not an account value or cash value. Your initial benefit base is equal to your initial contribution or transfer to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for transfers to the Protected Benefit account variable investment options. For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div> contracts, your initial benefit base does not include the credit. Subsequent adjustments to the applicable benefit base and the investment performance of the Protected Benefit account may result in a benefit base that is significantly different from your total contributions or future transfers to, or account value in, the Protected Benefit account. See “Guaranteed minimum death benefits” and “Guaranteed minimum income benefit” in “Benefits available under the contract”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Deducted annually on each contract date anniversary for which the benefit is in effect. If the contract is surrendered or annuitized, or a death benefit is paid, or the benefit is dropped (if applicable), on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.15%. We reserve the right to increase or decrease this charge at any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” and “Greater of death benefit” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(5)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.15% of the GMIB benefit base in effect on each contract date anniversary. If you have this benefit, but do not fund it until after your contract date anniversary, we will deduct the full charge on the contract date anniversary following the date on which you fund the benefit. We reserve the right to increase the charge for this benefit up to a maximum of 2.30%. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The next item shows the minimum and maximum total operating expenses charged by the underlying Portfolios that you may pay periodically during the time that you own the contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of Portfolios available under the contract, including their annual expenses, may be found at the back of this document. </div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">See Appendix “Investment options available under the contract.”</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;"><div style="display:inline;">Annual Portfolio Expenses</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.5px;"></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="display:inline;">Minimum</div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="display:inline;">Maximum</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="display:inline;">Annual Portfolio Expenses prior to Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(*)</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom;text-align:center"><div style="display:inline;">0.54%</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom;text-align:center"><div style="display:inline;">3.48%</div></td></tr> <tr style="font-size:1pt"> <td style="height:9.75pt"></td> <td colspan="2" style="height:9.75pt"></td> <td colspan="2" style="height:9.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Annual Portfolio Expenses after Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(*)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;">0.53%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;">3.29%</div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(*)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">“Annual Portfolio Expenses” are based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025. Pursuant to a contract, Equitable Investment Management Group, LLC has agreed to make payments or waive its management, administrative and other fees to limit the expenses of certain affiliated Portfolios through April 30, 2027 (“Expense Limitation Arrangement”) (unless the Trust’s Board of Trustees consents to an earlier revision or termination of this agreement). The Expense Limitation Arrangement may be terminated by Equitable Investment Management Group, LLC at any time after April 30, 2027. The Expense Limitation Arrangement does not apply to unaffiliated Portfolios. </div></div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Examples </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples are intended to help you compare the cost of investing in the variable investment options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume that you invest $100,000 in the variable investment options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Portfolio expenses, as well as the “Greater of” death benefit and GMIB (both at their maximum charge).</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:41%"></td> <td style="vertical-align:bottom;width:4%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">If you surrender your contract or<br/>annuitize (under a non-life option) at<br/>the end of the applicable time period</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">If you do not surrender your contract</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;">SeriesB</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">14,520</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">29,578</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">46,137</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">92,930</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,520</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">23,578</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">41,137</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">92,930</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;">SeriesL</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">15,940</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">30,767</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">42,987</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">95,840</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,940</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">24,767</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">42,987</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">95,840</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;">SeriesCP<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div><div></div><div></div><div></div><div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">15,975</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">31,887</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">48,214</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">96,447</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,975</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">24,887</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">43,214</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">96,447</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The following tables describe the fees and expenses that you will pay when buying, owning, surrendering or making withdrawals from an investment option or from the contract. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The first table describes fees and expenses that you will pay at the time that you buy the contract, surrender or make withdrawals from an investment option or the contract, or transfer account value between investment options. Charges designed to approximate certain taxes that may be imposed on us, such as premium taxes in your state, may also apply.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:60%"></td> <td style="vertical-align:bottom;width:11%"></td> <td></td> <td style="vertical-align:bottom;width:12%"></td> <td></td> <td style="vertical-align:bottom;width:44%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="9" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Transaction Expenses</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:67%"></td> <td style="vertical-align:bottom;width:4%"></td> <td></td> <td style="vertical-align:bottom;width:5%"></td> <td></td> <td style="vertical-align:bottom;width:5%"></td> <td></td> <td style="vertical-align:bottom;width:4%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 1px solid rgb(0, 0, 0); display: table-cell; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Series B</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 1px solid rgb(0, 0, 0); display: table-cell; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 1px solid rgb(0, 0, 0); display: table-cell; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Series L</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Sales Load Imposed on Purchases (as a percentage of purchase payments)</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Withdrawal Charge (as a percentage of contributions withdrawn)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Transfer Fee<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Third Party Transfer or Exchange Fee<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(3)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Special Service Charges<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates if you make a withdrawal, surrender your contract to receive its cash value, or, if offered, surrender your contract to apply your cash value to a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-life</div> contingent annuity payment option. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:29%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000;vertical-align:top"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="19" style="BORDER-TOP:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">charge as a % of contribution for each year following contribution</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10+</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series B</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">4%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Series L</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">8%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">7%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">6%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">5%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for transfers in excess of 12 transfers per contract year. We will charge no more than $35 for each transfer at the time each transfer is processed. See “Transfer charge” under “Charges that the Company deducts” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Currently, we do not charge for third party transfers or exchanges. However, we reserve the right to discontinue this waiver at any time, with or without notice. The maximum third party transfer or exchange fee is $125. The current charge (which, as described above is waived) is $65. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Special service charges include (1) express mail charge; (2) wire transfer charge; (3) duplicate contract charge; and (4) check preparation charge. The current maximum charge for each service is $90. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. </div></td></tr></table> 0 0 0 0.07 0.08 0.08 35 35 35 125 125 125 90 90 90 <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates if you make a withdrawal, surrender your contract to receive its cash value, or, if offered, surrender your contract to apply your cash value to a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-life</div> contingent annuity payment option. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:29%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000;vertical-align:top"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="19" style="BORDER-TOP:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">charge as a % of contribution for each year following contribution</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10+</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series B</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">4%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Series L</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">8%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">7%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">6%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">5%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td></tr></table> Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for transfers in excess of 12 transfers per contract year. We will charge no more than $35 for each transfer at the time each transfer is processed. See “Transfer charge” under “Charges that the Company deducts” in “Charges and expenses”. Currently, we do not charge for third party transfers or exchanges. However, we reserve the right to discontinue this waiver at any time, with or without notice. The maximum third party transfer or exchange fee is $125. The current charge (which, as described above is waived) is $65. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. Special service charges include (1) express mail charge; (2) wire transfer charge; (3) duplicate contract charge; and (4) check preparation charge. The current maximum charge for each service is $90. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The next table describes the fees and expenses that you will pay </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;">each year </div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">during the time that you own the contract (not including Portfolio fees and expenses). If you choose to purchase an optional benefit, you will pay additional charges, as shown below.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="9" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Annual Contract Expenses</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:58%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.5px;"></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> <td style="white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div></td> <td style="white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Annual Administrative Charge<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Base Contract Expenses (as a percentage of daily net assets in the variable investment options)</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.30%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.65%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.70%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;">Optional Benefits Expenses</div> (as a percentage of the benefit base)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)(3)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Guaranteed minimum death benefit charges</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">Return of Principal death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top;text-align:center">No additional<br/>charge</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> <br/></td> <td style="vertical-align:top;text-align:center">No additional<br/>charge</td> <td style="white-space:nowrap;vertical-align:top"> <br/> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> <br/></td> <td style="vertical-align:top;text-align:center">No additional<br/>charge</td> <td style="white-space:nowrap;vertical-align:top"> <br/> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">Highest Anniversary Value death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top">0.35%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">0.35%</td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">0.35%</td> <td style="white-space:nowrap;vertical-align:top"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">“Greater of” death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top;white-space:nowrap">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="white-space:nowrap;vertical-align:top">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="vertical-align:bottom"> </td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="white-space:nowrap;vertical-align:top">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="white-space:nowrap;vertical-align:top"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guaranteed minimum income benefit charge</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The annual administrative charge is deducted from your account value on each contract date anniversary. If the contract is surrendered or annuitized or a death benefit is paid on any date other than the contract date anniversary, we will deduct a pro rata portion of the administrative charge for that year. If your account value on a contract date anniversary is $50,000 or more there is no charge. During the first two contract years this charge, if applicable, is equal to the lesser of $30 or 2% of your Total account value. Thereafter, the charge, if applicable, is $30 for each contract year. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The benefit base is not an account value or cash value. Your initial benefit base is equal to your initial contribution or transfer to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for transfers to the Protected Benefit account variable investment options. For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div> contracts, your initial benefit base does not include the credit. Subsequent adjustments to the applicable benefit base and the investment performance of the Protected Benefit account may result in a benefit base that is significantly different from your total contributions or future transfers to, or account value in, the Protected Benefit account. See “Guaranteed minimum death benefits” and “Guaranteed minimum income benefit” in “Benefits available under the contract”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Deducted annually on each contract date anniversary for which the benefit is in effect. If the contract is surrendered or annuitized, or a death benefit is paid, or the benefit is dropped (if applicable), on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.15%. We reserve the right to increase or decrease this charge at any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” and “Greater of death benefit” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(5)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.15% of the GMIB benefit base in effect on each contract date anniversary. If you have this benefit, but do not fund it until after your contract date anniversary, we will deduct the full charge on the contract date anniversary following the date on which you fund the benefit. We reserve the right to increase the charge for this benefit up to a maximum of 2.30%. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” in “Charges and expenses”. </div></td></tr></table> 30 30 30 0.013 0.0165 0.017 0 0 0 0.0035 0.0035 0.0035 0.023 0.023 0.023 0.023 0.023 0.023 The annual administrative charge is deducted from your account value on each contract date anniversary. If the contract is surrendered or annuitized or a death benefit is paid on any date other than the contract date anniversary, we will deduct a pro rata portion of the administrative charge for that year. If your account value on a contract date anniversary is $50,000 or more there is no charge. During the first two contract years this charge, if applicable, is equal to the lesser of $30 or 2% of your Total account value. Thereafter, the charge, if applicable, is $30 for each contract year. <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The benefit base is not an account value or cash value. Your initial benefit base is equal to your initial contribution or transfer to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for transfers to the Protected Benefit account variable investment options. For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div> contracts, your initial benefit base does not include the credit. Subsequent adjustments to the applicable benefit base and the investment performance of the Protected Benefit account may result in a benefit base that is significantly different from your total contributions or future transfers to, or account value in, the Protected Benefit account. See “Guaranteed minimum death benefits” and “Guaranteed minimum income benefit” in “Benefits available under the contract”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Deducted annually on each contract date anniversary for which the benefit is in effect. If the contract is surrendered or annuitized, or a death benefit is paid, or the benefit is dropped (if applicable), on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.15%. We reserve the right to increase or decrease this charge at any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” and “Greater of death benefit” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(5)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.15% of the GMIB benefit base in effect on each contract date anniversary. If you have this benefit, but do not fund it until after your contract date anniversary, we will deduct the full charge on the contract date anniversary following the date on which you fund the benefit. We reserve the right to increase the charge for this benefit up to a maximum of 2.30%. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” in “Charges and expenses”. </div></td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The next item shows the minimum and maximum total operating expenses charged by the underlying Portfolios that you may pay periodically during the time that you own the contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of Portfolios available under the contract, including their annual expenses, may be found at the back of this document. </div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">See Appendix “Investment options available under the contract.”</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;"><div style="display:inline;">Annual Portfolio Expenses</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.5px;"></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="display:inline;">Minimum</div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="display:inline;">Maximum</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="display:inline;">Annual Portfolio Expenses prior to Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(*)</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom;text-align:center"><div style="display:inline;">0.54%</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom;text-align:center"><div style="display:inline;">3.48%</div></td></tr> <tr style="font-size:1pt"> <td style="height:9.75pt"></td> <td colspan="2" style="height:9.75pt"></td> <td colspan="2" style="height:9.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Annual Portfolio Expenses after Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(*)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;">0.53%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;">3.29%</div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(*)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">“Annual Portfolio Expenses” are based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025. Pursuant to a contract, Equitable Investment Management Group, LLC has agreed to make payments or waive its management, administrative and other fees to limit the expenses of certain affiliated Portfolios through April 30, 2027 (“Expense Limitation Arrangement”) (unless the Trust’s Board of Trustees consents to an earlier revision or termination of this agreement). The Expense Limitation Arrangement may be terminated by Equitable Investment Management Group, LLC at any time after April 30, 2027. The Expense Limitation Arrangement does not apply to unaffiliated Portfolios. </div></div></td></tr></table> Annual Portfolio Expenses prior to Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses) 0.0054 0.0348 Annual Portfolio Expenses after Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">12b-1</div> fees, service fees, and other expenses) 0.0053 0.0329 “Annual Portfolio Expenses” are based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025. Pursuant to a contract, Equitable Investment Management Group, LLC has agreed to make payments or waive its management, administrative and other fees to limit the expenses of certain affiliated Portfolios through April 30, 2027 (“Expense Limitation Arrangement”) (unless the Trust’s Board of Trustees consents to an earlier revision or termination of this agreement). The Expense Limitation Arrangement may be terminated by Equitable Investment Management Group, LLC at any time after April 30, 2027. The Expense Limitation Arrangement does not apply to unaffiliated Portfolios. <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Examples </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples are intended to help you compare the cost of investing in the variable investment options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume that you invest $100,000 in the variable investment options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Portfolio expenses, as well as the “Greater of” death benefit and GMIB (both at their maximum charge).</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:41%"></td> <td style="vertical-align:bottom;width:4%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">If you surrender your contract or<br/>annuitize (under a non-life option) at<br/>the end of the applicable time period</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">If you do not surrender your contract</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;">SeriesB</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">14,520</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">29,578</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">46,137</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">92,930</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,520</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">23,578</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">41,137</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">92,930</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;">SeriesL</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">15,940</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">30,767</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">42,987</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">95,840</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,940</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">24,767</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">42,987</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">95,840</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;">SeriesCP<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div><div></div><div></div><div></div><div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">15,975</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">31,887</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">48,214</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">96,447</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,975</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">24,887</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">43,214</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">96,447</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Examples </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples are intended to help you compare the cost of investing in the variable investment options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume that you invest $100,000 in the variable investment options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Portfolio expenses, as well as the “Greater of” death benefit and GMIB (both at their maximum charge).</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:41%"></td> <td style="vertical-align:bottom;width:4%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">If you surrender your contract or<br/>annuitize (under a non-life option) at<br/>the end of the applicable time period</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">If you do not surrender your contract</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;">SeriesB</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">14,520</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">29,578</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">46,137</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">92,930</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,520</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">23,578</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">41,137</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">92,930</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;">SeriesL</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">15,940</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">30,767</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">42,987</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">95,840</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,940</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">24,767</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">42,987</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">95,840</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;">SeriesCP<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div><div></div><div></div><div></div><div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">15,975</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">31,887</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">48,214</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">96,447</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,975</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">24,887</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">43,214</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">96,447</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Examples </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples are intended to help you compare the cost of investing in the variable investment options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These Examples assume that you invest $100,000 in the variable investment options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Portfolio expenses, as well as the “Greater of” death benefit and GMIB (both at their maximum charge).</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:41%"></td> <td style="vertical-align:bottom;width:4%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">If you surrender your contract or<br/>annuitize (under a non-life option) at<br/>the end of the applicable time period</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">If you do not surrender your contract</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10 years</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;">SeriesB</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">14,520</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">29,578</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">46,137</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">92,930</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,520</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">23,578</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">41,137</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">92,930</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;">SeriesL</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">15,940</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">30,767</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">42,987</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">95,840</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,940</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">24,767</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">42,987</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">95,840</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1.5em; text-indent: -1.5em; font-size: 8pt; font-family: arial; line-height: normal;">SeriesCP<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div><div></div><div></div><div></div><div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">15,975</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">31,887</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">48,214</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">96,447</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,975</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">24,887</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">43,214</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">96,447</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> 14520 14520 29578 29578 46137 46137 92930 92930 7520 23578 41137 92930 15940 15940 30767 30767 42987 42987 95840 95840 7940 24767 42987 95840 15975 15975 31887 31887 48214 48214 96447 96447 7975 24887 43214 96447 <div id="tx42760_18" style="margin-top:0pt; margin-bottom:0pt; font-size:17.5pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2.</div></div> Benefits available under the contract </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:42pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx42760_19" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Summary of Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following tables summarize important information about the benefits available under the contract. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Death Benefits</div></div></div></div><div style="font-family: arial; font-size: 10pt; background: none; letter-spacing: 0px; top: 0px;display:inline;"><div style="background: none; text-decoration: none;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These death benefits are available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:9pt;width:100%;border-spacing:0"> <tr> <td style="width:11%"></td> <td style="vertical-align:bottom"></td> <td style="width:37%"></td> <td style="vertical-align:bottom"></td> <td style="width:6%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td style="width:37%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name of<br/>Benefit</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Purpose</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Standard/</div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Optional</div></td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td colspan="3" style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center; padding-bottom: 0.375pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Brief Description of Restrictions/Limitations</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Max</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Return of Principal Death Benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees beneficiaries will receive a benefit at least equal to your contributions less adjusted withdrawals.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Standard</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Additional<br/> <div style="margin-bottom: 1pt; margin-top: 0pt; font-size: 9pt; font-family: arial; text-align: center; line-height: normal;">Charge</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Highest Anniversary Value Death Benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Locks in highest adjusted anniversary account value as minimum death benefit.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">0.35%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit or the “Greater of” Death Benefit</div></div></div></td></tr> <tr style="font-size:1pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; padding-left:8pt;height:1.5pt"> </td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="height:1.5pt"></td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">“Greater of” Death Benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees the beneficiaries will receive at least the greater of the Roll-up benefit base and the Highest Anniversary Value benefit base.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">1.15%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit or the Highest Anniversary Value Death Benefit</div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div> </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Expressed as an annual percentage of the benefit base. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Living Benefit</div></div></div></div><div style="font-family: arial; font-size: 10pt; background: none; letter-spacing: 0px; top: 0px;display:inline;"><div style="background: none; text-decoration: none;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">This living benefit is available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:11%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:37%"></td> <td style="vertical-align:bottom"></td> <td style="width:6%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:37%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name of<br/>Benefit</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Purpose</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Standard/</div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Optional</div></td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td colspan="3" style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center; padding-bottom: 0.375pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Brief Description of Restrictions/Limitations</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Max</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Guaranteed minimum income benefit (GMIB)</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees a minimum annuitization value to provide lifetime retirement income.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Standard</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">1.15%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div> </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Expressed as an annual percentage of the benefit base. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Other Benefits</div></div></div></div><div style="font-family: arial; font-size: 10pt; background: none; letter-spacing: 0px; top: 0px;display:inline;"><div style="background: none; text-decoration: none;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These other benefits are available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:9pt;width:100%;border-spacing:0"> <tr> <td style="width:11%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:37%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:6%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:36%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name of<br/>Benefit</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Purpose</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Standard/</div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Optional</div></td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td colspan="3" style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center; padding-bottom: 0.375pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Brief Description of Restrictions/Limitations</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Max</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: arial; line-height: normal;">Rebalancing</div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: arial; line-height: normal;"> Option I<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1) </div>and Option II<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(2)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Periodically rebalance to your desired asset mix</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Charge</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with DCA</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Account value in the Protected Benefit account cannot be rebalanced</div></div></div></td></tr> <tr style="font-size:1pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; padding-left:8pt;height:1.5pt"> </td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="4" style="height:1.5pt"></td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: arial; line-height: normal;">Dollar Cost Averaging (special DCA, general DCA, and Investment Simplifier)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Transfer account value to selected investment options on a regular basis to potentially reduce the impact of market volatility.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Charge</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with Rebalancing</div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div> </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Option I allows you to rebalance your Investment account value among the Investment account variable investment options. </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div> </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Option II allows you to rebalance your Investment account value among the Investment account variable investment options and the guaranteed interest option. </div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div id="tx42760_20" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Death Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">About Death Benefits </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For the purposes of determining the death benefit under your Retirement Cornerstone<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract, we treat your Investment account and any Guaranteed minimum death benefit funded by your Protected Benefit account differently. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The death benefit in connection with your Investment account is equal to your Investment account value as of the date we receive satisfactory proof of death, any required instructions for the method of payment, and any required information and forms necessary to effect payment. The death benefit payable in connection with your Protected Benefit account will be based on the greater of (i) your Protected Benefit account value, and (ii) the benefit base of your Guaranteed minimum death benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The total death benefit under your Retirement Cornerstone<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract will depend on your values in either one or both sides of the contract. If you selected a Guaranteed minimum death benefit but never funded your Protected Benefit account, your death benefit will be based on your Investment account value only. Likewise, if you funded your Guaranteed minimum death benefit through allocations to the Protected Benefit account and had no Investment account value, your death benefit would be based strictly on the Guaranteed minimum death benefit you selected. Also, it is possible that upon your death, you have value in both your Investment account and a Guaranteed minimum death benefit that has been funded through allocations to the Protected Benefit account. In that case, your beneficiaries would receive the Investment account value, plus the value of your Guaranteed minimum death benefit. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx42760_21" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Guaranteed minimum death benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">At issue, you may elect one of our optional Guaranteed minimum death benefit options (GMDBs) in connection with your Protected Benefit account as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:40%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:30%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Guaranteed Minimum<br/>Death Benefit</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Series B and L,<br/>Contracts</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><br/>Contracts</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.3em; font-size: 10pt; font-family: arial; line-height: normal;">Return of Principal death benefit</div></td> <td style="border-left: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: top; white-space: nowrap; text-align: center; padding-bottom: 0.375pt;">Issue Ages 0-80</td> <td style="vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-right: 0.75pt solid rgb(0, 0, 0); padding-right: 2pt; vertical-align: top; white-space: nowrap; text-align: center; padding-bottom: 0.375pt;">Issue Ages 0-70</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.3em; font-size: 10pt; font-family: arial; line-height: normal;">Highest Anniversary Value death benefit</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.3em; font-size: 10pt; font-family: arial; line-height: normal;">The “Greater of” death benefit</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;white-space:nowrap;text-align:center">Issue Ages 20-65</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;white-space:nowrap;text-align:center">Issue Ages 20-65</td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The “Greater of” death benefit can only be elected in combination with the GMIB. The Return of Principal death benefit and the Highest Anniversary Value death benefit are available with or without the GMIB. The Highest Anniversary Value death benefit and “Greater of” death benefit are available at an additional charge. There is no charge for the Return of Principal death benefit. The Return of Principal death benefit will be issued with all eligible contracts if you do not elect either the Highest Anniversary Value or the “Greater of” death benefit at the time you apply for your Retirement Cornerstone<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When you have a GMDB, you can allocate your contributions to any of the following: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Protected Benefit account variable investment options; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Investment account variable investment options; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Guaranteed interest option; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The account for special dollar cost averaging (Series B and L contracts only); and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The account for special money market dollar cost averaging (Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts only). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Only amounts you allocate to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for the Protected Benefit account variable investment options will fund your GMDB. These amounts will be included in your GMDB benefit base and will become part of your Protected Benefit account value. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, any credit or Earnings bonus amounts attributable to your Protected Benefit account are not included in your GMDB benefit base. If you decide to transfer amounts from your Investment account to your Protected Benefit account variable investment options, only amounts representing contributions and earnings will increase your GMDB benefit base. Credit or Earnings bonus amounts to your Investment account are always considered transferred first, though any amount of that transfer that represents a credit or Earnings bonus will be excluded from your GMDB benefit base. All transfers, however, will increase your Protected Benefit account value by the amount of the transfer. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your death benefit in connection with your Protected Benefit account is equal to one of the following — whichever provides a higher amount: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your Protected Benefit account value as of the date we receive satisfactory proof of the owner’s (or older joint owner’s, if applicable) death, any required instructions for the method of payment, and any required information and forms necessary to effect payment; or </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your applicable GMDB benefit base (discussed below) on the date of the owner’s (or older joint owner’s, if applicable) death, adjusted for subsequent withdrawals (and any withdrawal charges). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For a description of how the ATP exit option will impact your GMDB benefit bases, see ‘‘ATP exit option’’. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Return of Principal death benefit </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Return of Principal guaranteed minimum death benefit is equal to your Return of Principal death benefit base. There is no additional charge for this benefit. This benefit base is not an account value or cash value. It is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts contributed to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts transferred to the Protected Benefit account variable investment options; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects any withdrawals you make from the Protected Benefit account variable investment options or from amounts in a Special DCA program designated for the Protected Benefit account variable investment options (including any withdrawal charges). The amount of this deduction is described under “How withdrawals affect your Guaranteed benefits”. The amount of any withdrawal charge is described under “Withdrawal charge” in “Charges and expenses”. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix “Guaranteed benefit base examples” for an example of how the Return of Principal benefit base is calculated. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Highest Anniversary Value death benefit </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Highest Anniversary Value guaranteed minimum death benefit is equal to your Highest Anniversary Value benefit base. The current charge for this benefit is 0.35%. This benefit base is not an account value or cash value. The calculation of your Highest Anniversary Value benefit base will depend on whether you have taken a withdrawal from your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you have not taken a withdrawal from your Protected Benefit account, your Highest Anniversary Value benefit base is equal to one of the following — whichever provides a higher amount: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts contributed to a Special DCA that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts transferred to the Protected Benefit account variable investment options. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold;text-align:center"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;">-OR-</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your highest Protected Benefit account value on any contract date anniversary up to the contract date anniversary following the owner’s (or older joint owner’s, if applicable) 85th birthday (plus any transfers to the Protected Benefit account variable investment options and contributions either directly or through a Special DCA program designated for the Protected Benefit account variable investment options, made since the most recent “reset” of the Highest Anniversary Value benefit base that established your Protected Benefit account value as your new Highest Anniversary Value benefit base). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you take a withdrawal from your Protected Benefit account and you elected the GMIB, your Highest Anniversary Value </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">benefit base will be reduced on a dollar-for-dollar basis by withdrawals up to the Annual withdrawal amount, and on a pro rata basis by Excess withdrawals (including any applicable withdrawal charges).<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Note that any</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> withdrawal from</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">your </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Protected Benefit</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> account in the</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">first contract year in which the </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Protected Benefit</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> account is funded is an Excess withdrawal.</div></div> If you take a withdrawal from your Protected Benefit account and you did not elect the GMIB, your Highest Anniversary Value benefit base will be reduced on a pro rata basis (including any applicable withdrawal charges). Reduction on a pro rata basis means that we calculate the percentage of your Protected Benefit account value that is being withdrawn and we reduce your Highest Anniversary Value benefit base by the same percentage. See “How withdrawals affect your Guaranteed benefits”. The amount of any withdrawal charge is described under “Withdrawal charge” in “Charges and expenses”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">At any time after a withdrawal, your Highest Anniversary Value benefit base is equal to one of the following — whichever provides a higher amount: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your Highest Anniversary Value benefit base immediately following the most recent withdrawal (plus any transfers to the Protected Benefit account variable investment options made since the most recent “reset” of the Highest Anniversary Value benefit base that established your Protected Benefit account value as your new Highest Anniversary Value benefit base). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold;text-align:center"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;">-OR-</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your highest Protected Benefit account value on any contract date anniversary after the withdrawal up to the contract date anniversary following the owner’s (or older joint owner’s, if applicable) 85th birthday (plus any transfers to the Protected Benefit account variable investment options and contributions to a Special DCA program designated for the Protected Benefit account variable investment options, made since the most recent “reset” of the Highest Anniversary Value benefit base that established your Protected Benefit account value as your new Highest Anniversary Value benefit base). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, on your contract date anniversary any credit or Earnings bonus amounts that are part of your Protected Benefit account value are included in the calculation of the “reset” to your Highest Anniversary Value benefit base. Please note, however, that credit amounts are not part of the Highest Anniversary Value benefit base until a reset occurs. If you are eligible for an Earnings bonus on your contract date anniversary, the amount of the Earnings bonus will be credited to your Total account value after any reset is calculated. If a reset occurs, your Guaranteed benefit base(s) will not be increased by amounts associated with the Earnings bonus on that contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix “Guaranteed benefit base examples” for an example of how the Highest Anniversary Value benefit base is calculated. </div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">“Greater of” death benefit </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your “Greater of” death benefit has a benefit base. The current charge for this benefit is 1.15%. The benefit base is not an account value or cash value. It is equal to the greater of: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The benefit base computed for the Highest Anniversary Value death benefit (described immediately above); and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base is used only in connection with the “Greater of” death benefit. It is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts contributed to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts transferred to the Protected Benefit account variable investment options; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects any “Excess withdrawal” amounts (plus any applicable withdrawal charges); less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects (a) in the contract year of first funding, the dollar amount of any RMD from the Protected Benefit account taken through our RMD program and (b) in the subsequent contract years, the dollar amount of any RMD from the Protected Benefit account in excess of the Annual withdrawal amount taken through our RMD program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any “Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount” or “Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount” minus a deduction that reflects any withdrawals up to the Annual withdrawal amount. Any withdrawals during the first contract year you fund the Protected Benefit account will reduce your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. (Withdrawal charges do not apply to amounts withdrawn up to the Annual withdrawal amount.) </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Either the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount or the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is credited to the benefit bases of your Guaranteed benefits on each contract date anniversary. These amounts are calculated by taking into account your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base from the preceding contract date anniversary, the applicable <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract, contributions and transfers to the Protected Benefit account during the contract year and for the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount, any withdrawals up to the Annual withdrawal amount during the contract year. Any withdrawals during the first contract year you fund your Protected Benefit account will reduce your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. However, a RMD withdrawal from our RMD program will not reduce your Annual Roll-up amount in the year you first fund your Protected Benefit account. The calculation of both the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount are discussed in this section. </div></div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In order to elect the “Greater of” death benefit, you must also elect the GMIB. Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account, and until the contract year following age 85, if your Lifetime GMIB payments under the GMIB have not begun, you may withdraw up to your Annual withdrawal amount without reducing your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base. However, these same withdrawals will reduce the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount that would otherwise be applied to your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base at the end of the year. Remember that the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount applicable under your contract does not become part of your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base until the end of the contract year. <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The portion of any withdrawal in excess of your</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual withdrawal amount will reduce your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. See “Annual withdrawal amount and your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base”.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Unless you decline or elect a different annual reset option, you will be enrolled in the automatic annual reset program and your Roll-up to age 85 benefit base will automatically reset to equal the Protected Benefit account value, if higher, on every contract date anniversary from your contract date, up to the contract date anniversary following your 85th birthday or contract maturity, if earlier. See “Annual reset options”. The <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base reset is described in more detail below. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For more information, see “Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount and Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base adjustment”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">From time to time, we may offer you some form of payment or incentive in return for terminating or modifying certain guaranteed benefits. See “Guaranteed benefit offers” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate is used to calculate amounts credited to your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base for the contract year in which the first withdrawal is made from your Protected Benefit account and all subsequent contract years. <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate used for the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 component of the “Greater of” death benefit is always the same as the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your GMIB. </div></div>This rate is calculated using the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Ten-Year</div> Treasuries Rate Formula. See “Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> Rate” under “Guaranteed minimum income benefit” for more information regarding this formula. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A different <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate is used to calculate amounts credited to your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base in the contract years prior to the first withdrawal from your Protected Benefit account — the “Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate,” described below. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate is used to calculate amounts credited to your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base through the end of the contract year that precedes the contract year in which the first withdrawal is made from your Protected Benefit account. </div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Beginning in the first contract year in which you fund your Protected Benefit account, the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount credited to your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base at the end of the contract year (the “Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount”) will be calculated using the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate. Once you take a withdrawal from your Protected Benefit account, the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount will not be credited at the end of the contract year in which the withdrawal was taken and will terminate for the life of the contract. Instead, the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount will be credited. <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate used for</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">component of</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">the “Greater of” death benefit is always the same as the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your GMIB. </div></div>This rate is calculated using the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Ten-Year</div> Treasuries Rate Formula. See “Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> Rate” under “Guaranteed minimum income benefit” for more information regarding this formula. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate is designed as an incentive to defer taking your first withdrawal from your Protected Benefit account until later contract years while potentially building greater Guaranteed benefit bases. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">New business rates. </div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">The new business <div style="white-space:nowrap;display:inline;">Roll-up</div> rates we set for the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base are the same as the new business rates we set for the GMIB. The new business rates are no longer applicable after the second contract year — even if you fund your Guaranteed benefits after the second contract year. See “New business rates” under “Guaranteed minimum income benefit” for more information. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">75 Day rate <div style="white-space:nowrap;display:inline;">lock-in. </div></div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">When you select the “Greater of” death benefit with the GMIB, the 75 day rate lock in applies to both the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> under both Guaranteed benefits. For more information, including an example of how the 75 day rate <div style="white-space:nowrap;display:inline;">lock-in</div> works, see “Guaranteed minimum income benefit.” </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Renewal rates. </div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">The renewal <div style="white-space:nowrap;display:inline;">Roll-up</div> rates we set for the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base are the same as the renewal rates we set for the GMIB. For more information, see “Renewal rates” under “Guaranteed minimum income benefit.” </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Notification of Renewal rates. </div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">If you elected the “Greater of” death benefit at issue, your contract will indicate the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and the applicable time period those rates are in effect. These rates may not be the same rates that were illustrated prior to your purchase of the contract. If you choose to fund your “Greater of” death benefit (and your GMIB) after the new business rates have expired, you can contact a Customer Service Representative to find out the current Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and if applicable, Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate for your contract. In addition, your annual statement of contract values will show your current Renewal rates as well as the previous year’s Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate or Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate (whichever applies) for your contract. The information can also be found online, through your Equitable Client portal. </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base adjustment </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount is an amount credited to your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base on each contract date anniversary if there has ever been a withdrawal from your Protected Benefit account. The Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount adjustment to your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base is the primary way to increase the value of the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 component of your “Greater of” death benefit base. This amount is calculated by taking into account your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base from the preceding contract date anniversary, the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate under your contract, contributions and transfers to the Protected Benefit account during the contract year and any withdrawals up to the Annual withdrawal amount during the contract year. The crediting of any Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount ends on the contract date anniversary following the owner reaching age 85. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. Any such withdrawal will reduce (i) your Roll-up to age 85 benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. However, a RMD withdrawal from our RMD program will not reduce your Annual Roll-up amount in the year you first fund your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount at the end of the contract year is calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base on the preceding contract date anniversary, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate that was in effect on the first day of the contract year; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any withdrawals up to the Annual withdrawal amount resulting in a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> reduction of the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any contribution to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any transfer from the Investment account variable investment options and/or Guaranteed interest option to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any contribution amounts to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is based on the number of days in the contract year after the contribution or transfer. (Since there is no Annual withdrawal amount in the first contract year in which the Protected Benefit account is funded, any withdrawals in that year (other than RMD withdrawals from our RMD program) result in a dollar-for-dollar reduction of the Annual Roll-up amount (but not less than zero).) </div></div></div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In the event of your death, a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> portion of the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount will be added to the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals in excess of the Annual withdrawal amount may have a harmful effect on your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base and “Greater of” death benefit. A withdrawal in excess of your Annual withdrawal amount will always reduce your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. When the owner reaches age 85, withdrawals will reduce your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base on a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> basis up to your Annual withdrawal amount. For more information, see “How withdrawals affect your Guaranteed benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base adjustment </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount is an amount credited to your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base on each contract date anniversary provided you have never taken a withdrawal from your Protected Benefit account. This amount is calculated by taking into account your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base from the preceding contract date anniversary, the applicable Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate under your contract, and contributions and transfers to the Protected Benefit account during the contract year. The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount adjustment to your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base is the primary way to increase the value of the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 component of your “Greater of” death benefit base. The crediting of any Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount ends on the contract date anniversary following the owner reaching age 85. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount at the end of the contract year is calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base on the preceding contract date anniversary, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate that was in effect on the first day of the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any contribution to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any transfer from the Investment account and/or Guaranteed interest option to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any contribution amounts made during the contract year to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">A <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is based on the number of days in the contract year after the contribution or transfer. </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In the event of your death, a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> portion of the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount will be added to the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base reset </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This section describes how the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base reset works in connection with the calculation of your “Greater of” death benefit. </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Unless you decline or elect a different annual reset option, you will be enrolled in the automatic annual reset program and your Roll-up to age 85 benefit base will automatically reset to equal the Protected Benefit account value, if higher, on every contract date anniversary from your contract date, up to the contract date anniversary following your 85th birthday or contract maturity, if earlier. See “Annual reset options”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, on your contract date anniversary any credit or Earnings bonus amounts that are part of your Protected Benefit account value are included in the calculation of your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base reset. If you are eligible for an Earnings bonus on your contract date anniversary, the amount of the Earnings bonus will be credited to your Total account value after any reset is calculated. If a reset occurs, your Guaranteed benefit base(s) will not be increased by amounts associated with the Earnings bonus on that contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If a reset is not applicable on your contract date anniversary, the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base will not be eligible to be reset again until the next contract date anniversary. For jointly-owned contracts, eligibility to reset the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base is based on the age of the older owner. For <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-naturally</div> owned contracts, eligibility is based on the age of the annuitant or older joint annuitant. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We will send you a notice in each year that the Roll-up to age 85 benefit base is eligible to be reset. If you are not enrolled in either the automatic annual reset program or the automatic customized reset program you will have 30 days from your contract date anniversary to request a reset. At any time, you may choose one of the three available reset methods: one-time reset option, automatic annual reset program or automatic customized reset program. The procedures for choosing a reset method are the same procedures described under “GMIB benefit base reset”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The total dollar amount charged may increase as a result of the reset, even if the charge for the “Greater of” death benefit has not been increased, since the charges may be applied to a higher “Greater of” death benefit base than would have been otherwise applied. See “Charges and expenses” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Annual withdrawal amount and your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the “Greater of” death benefit and the GMIB, both your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base and GMIB benefit base are calculated the same way until age 85. Therefore, your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base and GMIB benefit base are equal until age 85. Beginning after the contract date anniversary following the owner’s (or older joint owner, if applicable) 85th birthday, your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to </div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">age 85 benefit base will (i) no longer roll up; (ii) no longer be eligible for resets; and (iii) be reduced <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> by withdrawals up to your Annual withdrawal amount. In contrast, the roll ups and resets for the GMIB benefit base calculation continue until age 95. Therefore, after age 85, your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base and your GMIB benefit base may differ. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Withdrawals up to your Annual withdrawal amount affect your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base the exact same way as they affect your GMIB benefit base prior to the contract date anniversary following age 85.</div></div> Beginning with the contract year that follows the contract year in which you first fund your Protected Benefit account, if Lifetime GMIB payments have not begun, you may withdraw up to your Annual withdrawal amount without reducing your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">It is important to note that withdrawals in excess of your Annual withdrawal amount will have a harmful effect on your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base and your “Greater of” death benefit.</div></div> An Excess withdrawal reduces your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. A withdrawal that causes your Protected Benefit account value to go to zero will terminate your “Greater of” death benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The reduction of your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis means that we calculate the percentage of your current Protected Benefit account value that is being withdrawn and we reduce your current <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base by the same percentage. A pro rata withdrawal will have a significant adverse effect on your <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base in cases where the Protected Benefit account value is less than the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base. For an example of how pro rata reduction works, see “How withdrawals affect your Guaranteed benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For contracts with <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-natural</div> owners, the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base will be based on the annuitant’s (or older joint annuitant’s) age. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix “Guaranteed benefit base examples” for an example of how the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> to age 85 benefit base that is part of the “Greater of” guaranteed minimum death benefit is calculated. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you change ownership of the contract, generally the Guaranteed minimum death benefit will automatically terminate, except under certain circumstances. See “Transfers of ownership, collateral assignments, loans and borrowing” in “More information” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Guaranteed minimum death benefits are subject to state availability and your age at contract issue. For a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, see Appendix “State contract availability and/or variations of certain features and benefits” . </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For contracts with <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-natural</div> owners, the available death benefits are based on the annuitant’s age. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see both “Effect of your account values falling to zero” in “Determining your contract’s value” and “How withdrawals affect your Guaranteed benefits” and the section entitled “Charges and expenses” for more information on these Guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See Appendix “Guaranteed benefit base examples” for examples of how the benefit bases for the Guaranteed minimum death benefits work. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx42760_22" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Payment of Death Benefit </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx42760_23" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Your beneficiary and payment of benefit </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You designate your beneficiary when you apply for your contract. You may change your beneficiary at any time while you are alive and the contract is in force. The change will be effective as of the date the written request is executed, whether or not you are living on the date the change is received in our processing office. We are not responsible for any beneficiary change request that we do not receive. We will send you a written confirmation when we receive your request. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under jointly owned contracts, the surviving owner is considered the beneficiary, and will take the place of any other beneficiary. Under a contract with a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-natural</div> owner that has joint annuitants who continue to be spouses at the time of death, the surviving annuitant is considered the beneficiary, and will take the place of any other beneficiary. In a QP contract, the beneficiary must be the plan trust. Where an NQ contract is owned for the benefit of a minor pursuant to the Uniform Gifts to Minors Act or the Uniform Transfers to Minors Act, the beneficiary must be the estate of the minor. Where an IRA contract is owned in a custodial individual retirement account, the custodian must be the beneficiary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The death benefit in connection with your Investment account is equal to your Investment account value as of the date we receive satisfactory proof of the owner’s (or older joint owner’s, if applicable) death, any required instructions for the method of payment, forms necessary to effect payment and any other information we may require. For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, the Investment account value used to determine the death benefit will first be reduced by the amount of any credits applied to contributions made during the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">one-year</div> period prior to the owner’s (or older joint owner’s, if applicable) death. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The death benefit in connection with any amount in your Protected Benefit account is equal to your Protected Benefit account value or, if greater, the applicable Guaranteed minimum death benefit. We determine the amount of the death benefit (other than the applicable Guaranteed minimum death benefit), as of the date we receive satisfactory proof of the owner’s (or older joint owner’s, if applicable) death, any required instructions for the method of payment, forms necessary to effect payment and any other information we may require. However, this is not the case if the beneficiary of your contract is your spouse and he or she decides to roll over the death benefit to another contract issued by us. See “Effect of the owner’s death”. For Series </div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, the Protected Benefit account value used to determine the death benefit will first be reduced by the amount of any credits applied to contributions made during the <div style="white-space:nowrap;display:inline;">one-year</div> period prior to the owner’s (or older joint owner’s, if applicable) death. The amount of the applicable Guaranteed minimum death benefit will be such Guaranteed minimum death benefit as of the date of the owner’s (or older joint owner’s, if applicable) death adjusted for any subsequent withdrawals. Payment of the death benefit terminates the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">When we use the terms “owner” and “joint owner”, we intend these to be references to annuitant and joint annuitant, respectively, if the contract has a <div style="white-space:nowrap;display:inline;">non-natural</div> owner. If the contract is jointly owned or is issued to a <div style="white-space:nowrap;display:inline;">non-natural</div> owner, the death benefit is payable upon the death of the older joint owner or older joint annuitant, as applicable. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Subject to applicable laws and regulations, you may impose restrictions on the timing and manner of the payment of the death benefit to your beneficiary. For example, your beneficiary designation may specify the form of death benefit payout (such as a life annuity), provided the payout you elect is one that we offer both at the time of designation and when the death benefit is payable. In general, the beneficiary will have no right to change the election. However, you should be aware that (i) in accordance with current federal income tax rules, we apply a predetermined death benefit annuity payout election only if payment of the death benefit amount begins within one year following the date of death, which payment may not occur if the beneficiary has failed to provide all required information before the end of that period, (ii) we will not apply the predetermined death benefit payout election if doing so would violate any federal income tax rules or any other applicable law, and (iii) a beneficiary or a successor owner who continues the contract under one of the continuation options described below will have the right to change your annuity payout election. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, if the annuitant dies, the owner (or older joint owner, if applicable) will become the annuitant, and the death benefit is not payable. If the contract had joint annuitants, it will become a single annuitant contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;"></div><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Equitable Access Account</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-weight:bold;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">If the beneficiary is a natural person (i.e., not an entity such as a corporation or a trust) and so elects, death benefit proceeds can be paid through the “Equitable Access Account,” which is a draft account that works in certain respects like an interest-bearing checking account. In that case, we will send the beneficiary a draftbook, and the beneficiary will have immediate access to the proceeds by writing a draft for all or part of the amount of the death benefit proceeds. The Company will retain the funds until a draft is presented for payment. Interest on the Equitable Access Account is earned from the date we establish the account until the account is closed by your beneficiary or by us if the account balance falls below the minimum balance requirement, which is currently $1,000. The Equitable Access </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;"> Account is part of the Company’s general account and is subject to the claims of our creditors. We will receive any investment earnings during the period such amounts remain in the general account. The Equitable Access Account is not a bank account or a checking account and it is not insured by the FDIC. Funds held by insurance companies in the general account are guaranteed by the respective state guaranty association. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Effect of the owner’s death </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, if the owner dies while the contract is in force, the contract terminates and the applicable death benefit is paid. If the contract is jointly owned, the death benefit is payable upon the death of the older owner. If the contract has a <div style="white-space:nowrap;display:inline;">non-natural</div> owner, the death benefit is payable upon the death of the annuitant. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">There are various circumstances, however, in which the contract can be continued by a successor owner or under a Beneficiary continuation option (“BCO”). For contracts with spouses who are joint owners, the surviving spouse will automatically be able to continue the contract under the “Spousal continuation” feature or under our Beneficiary continuation option, as discussed below. For contracts with <div style="white-space:nowrap;display:inline;">non-spousal</div> joint owners, the joint owner will be able to continue the contract as a successor owner subject to the limitations discussed below under “Non-spousal joint owner contract continuation.” </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you are the sole owner, your surviving spouse may have the option to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">take the death benefit proceeds in a lump sum; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">continue the contract as a successor owner under “Spousal continuation” (if your spouse is the sole primary beneficiary) or under our Beneficiary continuation option, as discussed below; or </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">roll the death benefit proceeds over into another contract. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your surviving spouse rolls over the death benefit proceeds into a contract issued by us, the amount of the death benefit will be calculated as of the date we receive all requirements necessary to issue your spouse’s new contract. Any death proceeds will remain invested in this contract until your spouse’s new contract is issued. The amount of the death benefit will be calculated to equal the greater of the account value (as of the date your spouse’s new contract is issued) and the applicable guaranteed minimum death benefit (as of the date of your death). This means that the death benefit proceeds could vary up or down, based on investment performance, until your spouse’s new contract is issued. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the surviving joint owner is not the surviving spouse, or, for single owner contracts, if the beneficiary is not the surviving spouse, federal income tax rules generally require payments of amounts under the contract to be made within five years of an owner’s death (the <div style="white-space:nowrap;display:inline;">“5-year</div> rule”). In certain cases, an individual beneficiary or <div style="white-space:nowrap;display:inline;">non-spousal</div> surviving joint owner may opt to receive payments over his/her life (or over a period not in excess of his/her life expectancy) if payments </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">commence within one year of the owner’s death. Any such election must be made in accordance with our rules at the time of death. If the beneficiary of a contract with one owner or a younger <div style="white-space:nowrap;display:inline;">non-spousal</div> joint owner continues the contract under the <div style="white-space:nowrap;display:inline;">5-year</div> rule, in general, all Guaranteed benefits and their charges will end. For more information on <div style="white-space:nowrap;display:inline;">non-spousal</div> joint owner contract continuation, see the section immediately below. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx42760_24" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="white-space:nowrap;display:inline;">Non-spousal</div> joint owner contract continuation </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Upon the death of either owner, the surviving joint owner becomes the sole owner. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Any death benefit (if the older owner dies first) or cash value (if the younger owner dies first) must be fully paid to the surviving joint owner within five years. The surviving owner may instead elect to receive a life annuity, provided payments begin within one year of the deceased owner’s death. If the life annuity is elected, the contract and all benefits terminate. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the older owner dies first, we will increase the account value to equal the Guaranteed minimum death benefit, if higher. The surviving owner can elect to (1) take a lump sum payment; (2) annuitize within one year; (3) continue the contract for up to five years and any GMIB and charge will be terminated; or (4) continue the contract under the Beneficiary continuation option. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, if any contributions are made during the <div style="white-space:nowrap;display:inline;">one-year</div> period prior to the owner’s death, the account value will first be reduced by any credits applied to any such contributions. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the contract continues, any Guaranteed minimum death benefit and associated charge will be discontinued. Withdrawal charges, if applicable, will no longer apply, and no subsequent contributions will be permitted. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the younger owner dies first, the surviving owner can elect to (1) take a lump sum payment; (2) annuitize within one year; (3) continue the contract for up to five years; or (4) continue the contract under the Beneficiary continuation option. If the contract continues under the <div style="white-space:nowrap;display:inline;">“5-year</div> rule”, the death benefit is not payable and the Guaranteed minimum death benefit, if applicable, will continue without change. In general, the GMIB and charge will be discontinued. Withdrawal charges, if applicable, will continue to apply and no subsequent contributions will be permitted. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx42760_25" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Spousal continuation </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you are the contract owner and your spouse is the sole primary beneficiary or you jointly own the contract with your younger spouse, your spouse may elect to continue the contract as successor owner upon your death. Spousal beneficiaries (who are not also joint owners) must be 85 or younger as of the date of the deceased spouse’s death in order to continue the contract under Spousal continuation. The determination of spousal status is made under applicable state law. However, in the event of a conflict between federal and state law, we follow federal rules. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Upon your death, the younger spouse joint owner (for NQ contracts only) or the spouse beneficiary (under a Single </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">owner contract), may elect to receive the death benefit, continue the contract under our Beneficiary continuation option (as discussed below in this section) or continue the contract, as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">In general, withdrawal charges will no longer apply to contributions made before your death. Withdrawal charges if applicable will apply if subsequent contributions are made. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The applicable Guaranteed minimum death benefit option may continue as follows: </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If the surviving spouse is age 65 or younger on the date of your death for contracts with the “Greater of” death benefit or age 80 or younger for contracts with the Highest Anniversary Value death benefit, and you were age 84 or younger at death, the Guaranteed minimum death benefit continues and will continue to grow according to its terms until the contract date anniversary following the date the surviving spouse reaches age 85. The charge for the applicable Guaranteed minimum death benefit will continue to apply, even after the Guaranteed minimum death benefit no longer rolls up or is no longer eligible for resets. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If the surviving spouse is age 65 or younger on the date of your death for contracts with the “Greater of” death benefit or age 80 or younger for contracts with the Highest Anniversary Value death benefit, and you were age 85 or older at death, we will reinstate the Guaranteed minimum death benefit under the contract. The benefit base (which had previously been frozen at age 85) will now continue to grow according to its terms until the contract date anniversary following the date the surviving spouse reaches age 85. The charge for the applicable Guaranteed minimum death benefit will continue to apply, even after the Guaranteed minimum death benefit no longer rolls up or is no longer eligible for resets. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If the “Greater of” death benefit continues, the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base reset, and any Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount or Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount, as applicable, will be based on the surviving spouse’s age. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If the surviving spouse is age 66 or over on the date of your death for the “Greater of” death benefit or age 81 or older for the Highest Anniversary Value death benefit, any applicable Guaranteed minimum death benefit will be frozen, which means: </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt;text-align:left">On the date your spouse elects to continue the contract, the value of the Guaranteed minimum death benefit will be set to equal the amount of the Guaranteed minimum death benefit base on the date of your death. If your Total account value is higher than the Guaranteed minimum death benefit base on the date of your death, </div></td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:54pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt">the Guaranteed minimum death benefit base <div style="font-weight:bold;display:inline;">will not be increased </div>to equal your Total account value. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Guaranteed minimum death benefit will no longer be eligible to increase, other than by the dollar amount of any subsequent contributions to the Protected Benefit account by your surviving spouse, and will be subject to pro rata reduction for any subsequent withdrawals. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The charge for the Guaranteed minimum death benefit will be discontinued. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the death of your spouse, the beneficiary will receive, as of the date of death, the greater of the Total account value and the value of the Guaranteed minimum death benefit. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">In all cases, whether the Guaranteed minimum death benefit continues or is discontinued, if your Total account value is lower than the Guaranteed minimum death benefit base on the date of your death, your Total account value <div style="font-weight:bold;display:inline;">will</div> <div style="font-weight:bold;display:inline;">be increased</div> to equal the Guaranteed minimum death benefit base. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB may continue if the benefit had not already terminated and the benefit will be based on the surviving spouse’s age at the date of the deceased spouse’s death. See “Exercise rules” under ‘‘Guaranteed minimum income benefit (‘‘GMIB’’)’’ in “Benefits available under the contract”. If the GMIB continues, the charge for the GMIB will continue to apply. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Where an NQ contract is owned by a Living Trust, as defined in the contract, and at the time of the annuitant’s death the annuitant’s spouse is the sole beneficiary of the Living Trust, the Trustee, as owner of the contract, may request that the spouse be substituted as annuitant as of the date of the annuitant’s death. No further change of annuitant will be permitted. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Where an IRA contract is owned in a custodial individual retirement account, and your spouse is the sole beneficiary of the account, the custodian may request that the spouse be substituted as annuitant after your death. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For jointly owned NQ contracts, if the younger spouse dies first no death benefit is paid, and the contract continues as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Guaranteed benefits continue to be based on the older spouse’s age for the life of the contract. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If the deceased spouse was the annuitant, the surviving spouse becomes the annuitant. If the deceased spouse was a joint annuitant, the contract will become a single annuitant contract. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The withdrawal charge schedule, if applicable, remains in effect. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you divorce, Spousal continuation does not apply. </div><div id="tx42760_26" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Beneficiary continuation option </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">This feature permits a designated individual, on the contract owner’s death, to maintain a contract with the deceased contract owner’s name on it and receive distributions under the contract, instead of receiving the death benefit in a single sum. We make this option available to beneficiaries under traditional IRA, Roth IRA and NQ contracts, subject to state availability. For traditional and Roth IRAs, depending on the beneficiary, this option may be restricted for deaths after December 31, 2019, due to the changes made by the Setting Every Community Up for Retirement Enhancement Act (“SECURE Act”) enacted at the end of 2019. Please speak with your financial professional for further information. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, including information on the availability of the Beneficiary continuation option in your state, see Appendix “State contract availability and/or variations of certain features and benefits”. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">Where an IRA contract is owned in a custodial individual retirement account, the custodian may reinvest the death benefit in an individual retirement annuity contract, using the account beneficiary as the annuitant. Depending on the beneficiary, this option may be restricted for deaths after December 31, 2019, due to the changes made by the SECURE Act. Please speak with your financial professional for further information. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Beneficiary continuation option for traditional IRA and Roth IRA contracts only. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">The Beneficiary continuation option must be elected by September 30th of the year following the calendar year of your death and before any other inconsistent election is made. Beneficiaries who do not make a timely election will not be eligible for this option. If the election is made, then, as of the date we receive satisfactory proof of death, any required instructions, information and forms necessary to effect the Beneficiary continuation option feature, we will increase the Protected Benefit account value to equal the applicable death benefit if such death benefit is greater than such account value, adjusted for any subsequent withdrawals. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, if any contributions are made during the <div style="white-space:nowrap;display:inline;">one-year</div> period prior to the owner’s death, the account value will first be reduced by any credits applied to any such contributions. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">For deaths after December 31, 2019, only specified individuals who are “eligible designated beneficiaries” or “EDBs” may stretch post-death payments over the beneficiary’s life expectancy. See “required minimum distributions after your death” under “Tax Information.” Individual beneficiaries who do not have EDB status (including beneficiaries named by the original beneficiary to receive any remaining interest after the death of the original beneficiary) must take out any remaining interest in the IRA or plan within 10 years of the applicable death. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under the Beneficiary continuation option for IRA and Roth IRA contracts: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The contract continues with your name on it for the benefit of your beneficiary. </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary replaces the deceased owner as annuitant. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">This feature is only available if the beneficiary is an individual. Certain trusts with only individual beneficiaries will be treated as individuals for this purpose. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If there is more than one beneficiary, each beneficiary’s share will be separately accounted for. It will be distributed over the beneficiary’s own life expectancy, if payments over life expectancy are chosen. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The minimum amount that is required in order to elect the Beneficiary continuation option is $5,000 for each beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary may make transfers among the Investment account variable investment options and the guaranteed interest option (subject to our rules) but no subsequent contributions will be permitted. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Protected Benefit account variable investment options will no longer be available and no value can be allocated to those investment options. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If any Guaranteed benefits are in effect under the contract, they will no longer be in effect and charges for such benefits will stop. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary may choose at any time to withdraw all or a portion of the Total account value and no withdrawal charges, if any, will apply. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any partial withdrawal must be at least $300. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your beneficiary will have the right to name a beneficiary to receive any remaining interest in the contract. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the death of your beneficiary, the following distribution rules will apply to the subsequent beneficiary named by your beneficiary: (1) if your beneficiary is an EDB or you died on or before December 31, 2019, the subsequent beneficiary must withdraw any remaining amount within ten years of your beneficiary is not an EDB, the subsequent beneficiary must withdraw any remaining amount within 10 years of your death. The option elected will be processed when we receive satisfactory proof of death, any required instructions for the method of payment and any required information and forms necessary to effect payment. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">For beneficiaries who are required to take the entire interest within 10 years, we offer our post-death automatic RMD option to help the beneficiary meet the RMD requirements if the deceased owner died on or after the Required Beginning Date. We calculate post-death RMD payments using the beneficiary’s life expectancy determined in accordance with IRS tables. Instead of electing our post-death automatic RMD option, your beneficiary may choose to calculate the required amount themselves and request partial withdrawals. Regardless of whether your beneficiary elects this option, any remaining amounts will be distributed to your beneficiary by the end of the 10th calendar year </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt">following the year of your death. It is the beneficiary’s responsibility to ensure compliance with the post-death RMD rules under federal tax law. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Beneficiary continuation option for NQ contracts only. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">This feature, also known as Inherited annuity, may only be elected when the NQ contract owner dies before the annuity maturity date, whether or not the owner and the annuitant are the same person. For purposes of this discussion, “beneficiary” refers to the successor owner. This feature must be elected within 9 months following the date of your death and before any other inconsistent election is made. Beneficiaries who do not make a timely election will not be eligible for this option. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Generally, payments will be made once a year to the beneficiary over the beneficiary’s life expectancy, determined on a term certain basis and in the year payments start. These payments must begin no later than one year after the date of your death and are referred to as “scheduled payments.” The beneficiary may choose the <div style="white-space:nowrap;display:inline;">“5-year</div> rule” instead of scheduled payments over life expectancy. If the beneficiary chooses the <div style="white-space:nowrap;display:inline;">5-year</div> rule, there will be no scheduled payments. Under the <div style="white-space:nowrap;display:inline;">5-year</div> rule, the beneficiary may take withdrawals as desired, but the entire account value must be fully withdrawn by the fifth anniversary of your death. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under the Beneficiary continuation option for NQ contracts: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">This feature is only available if the beneficiary is an individual. It is not available for any entity such as a trust, even if all of the beneficiaries of the trust are individuals. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary automatically replaces the existing annuitant. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The contract continues with your name on it for the benefit of your beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If there is more than one beneficiary, each beneficiary’s share will be separately accounted for. It will be distributed over the respective beneficiary’s own life expectancy, if scheduled payments are chosen. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The minimum amount that is required in order to elect the Beneficiary continuation option is $5,000 for each beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary may make transfers among the Investment account variable investment options but no subsequent contributions will be permitted. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Protected Benefit account variable investment options will no longer be available and no value can be allocated to those investment options. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If any Guaranteed benefits are in effect under the contract, they will no longer be in effect and charges for such benefits will stop. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If the beneficiary chooses the <div style="white-space:nowrap;display:inline;">“5-year</div> rule,” withdrawals may be made at any time. If the beneficiary instead chooses scheduled payments, the beneficiary may also take withdrawals, in addition to scheduled payments, at any time. </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any partial withdrawals must be at least $300. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your beneficiary will have the right to name a beneficiary to receive any remaining interest in the contract on the beneficiary’s death. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the death of your beneficiary, the beneficiary he or she has named has the option to either continue taking scheduled payments based on the remaining life expectancy of the deceased beneficiary (if scheduled payments were chosen) or to receive any remaining interest in the contract in a lump sum. We will pay any remaining interest in the contract in a lump sum if your beneficiary elects the <div style="white-space:nowrap;display:inline;">5-year</div> rule. The option elected will be processed when we receive satisfactory proof of death, any required instructions for the method of payment and any required information and forms necessary to effect payment. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">If the deceased is the owner or the older joint owner: </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">As of the date we receive satisfactory proof of death, any required instructions, information and forms necessary to effect the Beneficiary continuation option feature, we will increase the Protected Benefit account value to equal the applicable death benefit if such death benefit is greater than such Protected Benefit account value adjusted for any subsequent withdrawals. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, if any contributions are made during the <div style="white-space:nowrap;display:inline;">one-year</div> period prior to the owner’s death, the account value will first be reduced by any credits applied to any such contributions. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">No withdrawal charges, if applicable, will apply to any withdrawals by the beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">If the deceased is the younger <div style="white-space:nowrap;display:inline;">non-spousal</div> joint owner: </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The account value will not be reset to the death benefit amount. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The contract’s withdrawal charge schedule, if applicable, will continue to be applied to any withdrawal or surrender other than scheduled payments; the contract’s free withdrawal amount will continue to apply to withdrawals but does not apply to surrenders. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">We do not impose a withdrawal charge on scheduled payments except if, when added to any withdrawals previously taken in the same contract year, including for this purpose a contract surrender, the total amount of withdrawals and scheduled payments exceed the free withdrawal amount. See the “Withdrawal charges” in “Charges and expenses”, if applicable. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A surviving spouse should speak to his or her tax professional about whether Spousal continuation or the Beneficiary continuation option is appropriate for him or her. Factors to consider include, but are not limited to, the surviving spouse’s age, need for immediate income and a desire to continue any Guaranteed benefits under the contract. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx42760_27" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Living Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx42760_28" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Guaranteed minimum income benefit </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">This section describes the Guaranteed minimum income benefit, or “GMIB”. The current charge for this benefit is </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">1.15%. The GMIB guarantees, subject to certain restrictions, annual lifetime payments (“Lifetime GMIB payments”) that are calculated by applying your GMIB benefit base, less any applicable withdrawal charge remaining, to guaranteed annuity purchase factors. You choose whether you want the option to be paid on a single or joint life basis at the time the GMIB is exercised. This benefit provides a minimum guarantee that may never come into effect. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Lifetime GMIB payments will begin at the earliest of: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">the next contract year following the date your Protected Benefit account value falls to zero (provided the no lapse guarantee is in effect); </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">the contract date anniversary following your 95th birthday; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">your contract’s maturity date; or </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iv)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">your election to exercise the GMIB. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We reserve the right to change the annuity option or make other forms of payout options available at any time. For a description of payout options, see “Your annuity payout options” in “Accessing your money”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When you exercise the GMIB, the annual lifetime income that you will receive will be the greater of (i) your GMIB which is calculated by applying your GMIB benefit base, less any applicable withdrawal charge remaining (if exercised prior to age 95), to GMIB guaranteed annuity purchase factors, or (ii) the income provided by applying your Protected Benefit account value to our then current annuity purchase factors or base contract guaranteed annuity purchase factors. The GMIB benefit base is applied only to the guaranteed annuity purchase factors under the GMIB in your contract and not to any other guaranteed or current annuity purchase rates. Your account value is never applied to the guaranteed annuity purchase factors under GMIB. The amount of income you actually receive will be determined when we receive your request to exercise the benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If there is no Investment account value remaining when you elect to receive annual lifetime income, your contract (including its death benefit and any account or cash values) will terminate and you will receive a new contract for the annuity payout option. For a discussion of when your payments will begin and end, see “Exercise of Guaranteed minimum income benefit”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Before you elect the GMIB, you should consider the fact that it provides a form of insurance and is based on conservative actuarial factors. Therefore, even if your Protected Benefit account value is less than your benefit base, you may generate more income by applying your Protected Benefit account value to current annuity purchase factors. We will make this comparison for you upon request. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Surrendering your contract will terminate your GMIB. Please see “Surrendering your contract to receive its cash value” in “Accessing your money”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB also allows you to take certain withdrawals (your “Annual withdrawal amount”) prior to the beginning of your </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Lifetime GMIB payments without reducing your GMIB benefit base. Your Annual withdrawal amount for the next contract year is calculated each contract date anniversary by applying a percentage (“the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate”) to your GMIB benefit base. Lifetime GMIB payments and your Annual withdrawal amount are described in this section. With respect to your GMIB, it is important to note the following: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Once a withdrawal is taken from your Protected Benefit account, you cannot make additional contributions to your Protected Benefit account, either directly or through a Special DCA program. You can, however, continue to make transfers from your Investment account to the Protected Benefit account variable investment options until such time you make a subsequent contribution to your Investment account at which point transfers into the Protected Benefit account will no longer be available. Scheduled transfers from an existing Special DCA program will continue, even after such subsequent contribution is made to the Investment account. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Withdrawals in excess of your Annual withdrawal amount (an “Excess withdrawal”) can greatly reduce the value of your GMIB. An Excess withdrawal that reduces your Protected Benefit account value to zero will cause your GMIB to terminate. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In order to fund your Guaranteed minimum income benefit, you must make contributions or transfers to the Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB is issued with all eligible contracts unless you tell us you do not want it (or “opt out”) at the time you apply for your Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract. The GMIB is issued to owners age 20 – 80 (ages 20 – 70 for Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div>) and with all contract types except Inherited IRA. If the contract is jointly owned, eligibility for the GMIB will be issued based on the older owner’s age. The GMIB cannot be added to your contract later if you decide to <div style="white-space:nowrap;display:inline;">opt-out.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can drop your GMIB at any time prior to funding your Protected Benefit account. If you fund your Protected Benefit account at issue, you can drop your GMIB provided that all contributions to the contract are no longer subject to withdrawal charges. If you fund your Protected Benefit account after issue, you cannot drop the GMIB until the later of (i) the contract date anniversary following the date the Protected Benefit account is funded, and (ii) the expiration of all withdrawal charges. It is important to note that if you decide to drop your GMIB, either before or after funding your Protected Benefit account, your Guaranteed minimum death benefit may be affected. Please see “Dropping or changing your Guaranteed benefits” and Appendix “Dropping or changing your Guaranteed benefits” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">The GMIB is issued with all eligible contracts unless you tell us you do not want it (or “opt out”) at the time you complete your application. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When you purchase a contract with the GMIB, you can combine it with one of our Guaranteed minimum death </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">benefits: (i) the Return of Principal death benefit, (ii) the Highest Anniversary Value death benefit, or (iii) the “Greater of” death benefit. The GMIB cannot be combined with the “Greater of” death benefit if you are age 66 or older at the time your contract is issued. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">There is an additional charge for the GMIB which is described under “Guaranteed minimum income benefit charge” in “Charges and expenses”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the GMIB and change ownership of the contract, this benefit will automatically terminate, except under certain circumstances. See “Transfers of ownership, collateral assignments, loans and borrowing” in “More information,”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">The Guaranteed minimum income benefit should be regarded as a safety net only. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">GMIB benefit base </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your GMIB has a benefit base. Your GMIB benefit base is not an account value or cash value. The GMIB benefit base is used to calculate your Lifetime GMIB payments, your Annual withdrawal amount and the charge for the benefit. Your GMIB benefit base is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts in a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any transfers to the Protected Benefit account variable investment options; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects any “Excess withdrawal” amounts (plus any applicable withdrawal charges); less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects (a) in the contract year of first funding, the dollar amount of any RMD from the Protected Benefit account taken through our RMD program and (b) in the subsequent contract years, the dollar amount of any RMD from the Protected Benefit account in excess of the Annual withdrawal amount taken through our RMD program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">“Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount” OR any “Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount”, minus a deduction that reflects any withdrawals up to the Annual withdrawal amount. Any withdrawals during the first contract year you fund the Protected Benefit account will reduce your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. (Withdrawal charges do not apply to amounts withdrawn up to the Annual withdrawal amount.) </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Either the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount or the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is credited to the benefit bases of your Guaranteed benefits on each contract date anniversary. These amounts are calculated by taking into account your GMIB benefit base from the preceding contract date anniversary, the applicable <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract, contributions </div></div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">and transfers to the Protected Benefit account during the contract year and for the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount, any withdrawals up to the Annual withdrawal amount during the contract year. Any withdrawals during the first contract year you fund your Protected Benefit account will reduce your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. However, a RMD withdrawal from our RMD program will not reduce your Annual Roll-up amount in the year you first fund your Protected Benefit account. The calculation of both the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount are discussed in this section. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Beginning in the contract year that follows the contract year in which you fund your Protected Benefit account, if your Lifetime GMIB payments have not begun, you can withdraw up to your Annual withdrawal amount without reducing your GMIB benefit base. However, those same withdrawals will reduce the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount that would otherwise be applied to the GMIB benefit base at the end of the contract year. Remember that the <div style="white-space:nowrap;display:inline;">Roll-up</div> amount applicable under your contract does not become part of your GMIB benefit base until the end of the contract year. <div style="font-weight:bold;display:inline;">The portion of any withdrawal in excess of your Annual withdrawal amount will reduce your GMIB benefit base on a pro rata basis. See “Annual withdrawal amount”.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Unless you decline or elect a different annual reset option, you will be enrolled in the automatic annual reset program and your GMIB benefit base will automatically “reset” to equal the Protected Benefit account value, if higher, on every contract date anniversary from your contract date, up to the contract date anniversary following your 95th birthday or contract maturity, if earlier. See “Annual reset options”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Only amounts you allocate to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for the Protected Benefit account variable investment options will fund your GMIB. These amounts will be included in your GMIB benefit base and will become part of your Protected Benefit account value. See “Allocating your contributions” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You purchase a Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> — Series B contract with an initial contribution of $100,000 and allocate $60,000 to the Protected Benefit account variable investment options and $40,000 to the Investment account variable investment options. Your initial GMIB benefit base will be $60,000. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Provided you did not opt out of the GMIB, you can fund your GMIB benefit by allocating money to the Protected Benefit account variable investment options (either directly or through a special DCA program) immediately or at some later date. Allocations to the Protected Benefit account variable investment options also fund your Guaranteed minimum death benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your “Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount” and “Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount” are described below. Your GMIB benefit base stops “rolling up” on the contract date anniversary following the </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">owner’s (or older joint owner’s, if applicable) 95th birthday. If the annuitant is older than the owner, the contract maturity date (the point at which Lifetime GMIB payments must begin and <div style="white-space:nowrap;display:inline;">Roll-ups</div> will end) will precede the owner’s 95th birthday. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For contracts with <div style="white-space:nowrap;display:inline;">non-natural</div> owners, the GMIB benefit base will be based on the annuitant’s (or older joint annuitant’s) age. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The amount of the deduction for an “Excess withdrawal” and the deduction for the Annual withdrawal amount are described under “How withdrawals affect your Guaranteed benefits”. The amount of any withdrawal charge is described under “Withdrawal charge” in “Charges and expenses”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts only, any credit amounts attributable to your contributions or Earnings bonus are not included in your GMIB benefit base. This includes credit or Earnings bonus amounts transferred from your Investment account. Credit and Earnings bonus amounts allocated to your Investment account are always considered transferred first. Amounts transferred in excess of credit or Earnings bonus amounts, which may include earnings on these amounts, will increase your GMIB benefit base. All transfers, however, will increase your Protected Benefit account value by the total amount of the transfer. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example, you make an initial contribution of $100,000 and allocate the entire $100,000 to the Investment account variable investment options. Your Investment account is credited with $3,000 (3% x $100,000). Assume you later transfer $4,000 to the Protected Benefit account variable investment options, which represents the credit amount plus earnings, some of which are attributable to the credit amount. Your GMIB benefit base would equal $1,000 ($4,000 – $3,000). However, your Protected Benefit account value would still increase by the transfer, which in this example is $4,000. For more information, see “Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts and your Guaranteed benefit bases”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">As discussed in this section, your GMIB benefit base is not an account value or cash value. As a result, the GMIB benefit base cannot be split or divided in any proportion in connection with a divorce. See “How divorce may affect your Guaranteed benefits” in “More information.” </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix “Guaranteed benefit base examples” for an example of how the GMIB benefit base is calculated. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You do not have an Annual withdrawal amount in the first contract year in which you fund your Protected Benefit account. A withdrawal from your Protected Benefit account in the first contract year in which you fund the Protected Benefit account will reduce your GMIB benefit base on a pro rata basis. Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account, if your Lifetime GMIB payments have not begun, withdrawals up to your Annual withdrawal amount will not reduce your GMIB benefit base. The portion of a withdrawal in excess of your Annual withdrawal amount will reduce your GMIB benefit base on a pro rata basis. See “Annual withdrawal amount”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For a description of how the ATP exit option will impact your GMIB benefit base, see ‘‘ATP exit option’’. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">GMIB benefit base reset </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Unless you decline or elect a different annual reset option, you will be enrolled in the automatic annual reset program and your GMIB benefit base will automatically “reset” to equal the Protected Benefit account value, if higher, on every contract date anniversary from the date you first fund your Protected Benefit account, up to the contract date anniversary following your 95th birthday or contract maturity, if earlier. You must notify us in writing that you want to opt out of any automatic reset program. You can send us a written request to opt back in to an automatic reset program at a later date. We reserve the right to change or discontinue our reset programs at any time. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, on your contract date anniversary any credit or Earnings bonus amounts that are part of your Protected Benefit account value are included in the calculation of your GMIB benefit base reset. If you are eligible for an Earnings bonus on your contract date anniversary, the amount of the Earnings bonus will be credited to your Total account value after any reset is calculated. If a reset occurs, your Guaranteed benefit base(s) will not be increased by amounts associated with the Earnings bonus on that contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If a reset is not applicable on your contract date anniversary, the GMIB benefit base will not be eligible to be reset again until the next contract date anniversary. For jointly-owned contracts, eligibility to reset the GMIB benefit base is based on the age of the older owner. For <div style="white-space:nowrap;display:inline;">non-naturally</div> owned contracts, eligibility is based on the age of the annuitant or older joint annuitant. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Annual reset options</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-weight:bold;display:inline;">.</div> We will send you a notice in each year that the GMIB benefit base is eligible to be reset. If you are not enrolled in either the automatic annual reset program or the automatic customized reset program you will have 30 days from your contract date anniversary to request a reset. At any time, you may choose one of the three available reset methods: one-time reset option, automatic annual reset program or automatic customized reset program. <div style="font-weight:bold;display:inline;">If, at the time of application, you do not decline the automatic annual reset program or elect a different annual reset option, you will be enrolled in the automatic annual reset program.</div> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;"></div><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">one-time reset option</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-style:italic;display:inline;"> — resets your GMIB benefit base on a single contract date anniversary. </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;"></div><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">automatic annual reset program</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-style:italic;display:inline;"> — automatically resets your GMIB benefit base on each contract date anniversary you are eligible for a reset. </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;"></div><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">automatic customized reset program</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-style:italic;display:inline;"> — automatically resets your GMIB benefit base on each contract date anniversary, if eligible, for the period you designate. </div></div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">One-time reset requests will be processed as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if your request is received within 30 days following your contract date anniversary, your GMIB benefit base will be reset, if eligible, as of that contract date anniversary. If your GMIB benefit base was not eligible for a reset on that contract date anniversary, your one-time reset request will be terminated; or </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if your request is received outside the 30 day period following your contract date anniversary, your GMIB benefit base will be reset, if eligible, on the next contract date anniversary. If your GMIB benefit base is not eligible for a reset, your one-time reset request will be terminated. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Once your one-time reset request is terminated, you must submit a new request in order to reset your benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you wish to cancel your elected reset program, your request must be received by our processing office at least one business day prior to your contract date anniversary to terminate your reset program for such contract date anniversary. Cancellation requests received after this window will be applied the following year. A reset cannot be cancelled after it has occurred. For more information, see ‘‘How to reach us’’. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Effect of GMIB Benefit Base Resets</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-weight:bold;display:inline;">.</div> <div style="font-weight:bold;display:inline;">It is important to note that once you have reset your GMIB benefit base, a new waiting period to exercise the GMIB will apply from the date of the reset. Your new exercise date will be the tenth contract date anniversary following the reset or, if later, the earliest date you would have been permitted to exercise without regard to the reset, but in no event will</div> <div style="font-weight:bold;display:inline;">it be later than the contract date anniversary following age 95.</div> See ‘‘Exercise rules’’ and ‘‘How withdrawals affect your Guaranteed benefits’’ for more information. Please note that in most cases, resetting your GMIB benefit base will lengthen the exercise waiting period. Also, even when there is no additional charge when you reset your Roll-up benefit base, the total dollar amount charged may increase as a result of the reset since the charges may be applied to a higher benefit base than would have been otherwise applied. See ‘‘Charges and expenses’’. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Owners of traditional IRA or QP contracts should consider the effect of the waiting period on the requirement to take lifetime required minimum distributions before resetting the GMIB benefit base. If a QP contract is converted to an IRA, in a direct rollover, the waiting period for the reset under the IRA contract will include any time that the QP contract was a funding vehicle under the plan. If a traditional IRA contract owner or a plan participant must begin taking lifetime required minimum distributions during the 10-year waiting period, the individual may want to consider taking the annual lifetime required minimum distribution calculated for the contract from another permissible contract or funding vehicle. See ‘‘How withdrawals affect your Guaranteed benefits’’ and ‘‘Lifetime required minimum distribution withdrawals’’ in ‘‘Accessing your money.’’ Also, see ‘‘Required minimum distributions’’ under ‘‘Individual retirement arrangements (IRAs)’’ in ‘‘Tax information’’ and Appendix ‘‘Purchase considerations for QP Contracts’’. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate your Annual withdrawal amount. It is also used to calculate amounts credited to your GMIB benefit base for the contract year in which the first withdrawal is made from your Protected Benefit account and all subsequent contract years. A different <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">calculate amounts credited to your GMIB benefit base in the contract years prior to the first withdrawal from your Protected Benefit account — it is called the “Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate”. The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate is described below. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate is variable and is tied to the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Ten-Year</div> Treasuries Formula Rate described below, but the minimum rate will never be less than 4% or greater than 8% in all contract years. The Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate will be set at our discretion, subject to the stated minimum. We reserve the right, however, to declare an Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate that is greater than 8%. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate. </div></div></div></div>For each calendar quarter, this rate is the average of the rates for the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">ten-year</div> U.S. Treasury notes on each day for which such rates are reported during the 20 calendar days ending on the 15th day of the last month of the preceding calendar quarter, plus 1.00%, rounded to the nearest 0.10%. U.S. Treasury rates will be determined from the Federal Reserve Board Constant Maturity Series or such comparable rates as may be published by the Federal Reserve Board or generally available reporting services if the Federal Reserve Board Constant Maturity Series is discontinued. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate is only used to calculate amounts credited to your GMIB benefit base through the end of the contract year that precedes the contract year in which the first withdrawal is made from your Protected Benefit account. The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate is never used to calculate your Annual withdrawal amount under the GMIB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Beginning with the first contract year in which you fund your Protected Benefit account, the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount credited to your GMIB benefit base at the end of the contract year (the “Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount”) will be calculated using the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate. Once you take a withdrawal from your Protected Benefit account, the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount will not be credited at the end of the contract year in which the withdrawal was taken and will terminate for the life of the contract. Instead, the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount will be credited. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate is designed as an incentive to defer taking your first withdrawal from your Protected Benefit account until later contract years while potentially building greater Guaranteed benefit bases with a higher <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate is variable and is tied to the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Ten-Year</div> Treasuries Formula Rate described below. The minimum Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate will never be less than 4% or greater than 8% in all contract years up until the first withdrawal from the Protected Benefit account. The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate will be set at our discretion, subject to the stated minimum. We reserve the right, however, to declare a Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate that is greater than 8%. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Deferral <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate. </div></div></div></div>For each calendar quarter, this rate is the average of the rates for </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-family: arial; font-size: 10pt; line-height: normal;">the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">ten-year</div> U.S. Treasury notes on each day for which such rates are reported during the 20 calendar days ending on the 15th day of the last month of the preceding calendar quarter, plus 2.00%, rounded to the nearest 0.10%. U.S. Treasury rates will be determined from the Federal Reserve Board Constant Maturity Series or such comparable rates as may be published by the Federal Reserve Board or generally available reporting services if the Federal Reserve Board Constant Maturity Series is discontinued. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">As described above, both the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate and the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate will never be less than 4% or greater than 8% in all contract years. Based on the underlying formula rates that are used in arriving at the two <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rates, it is expected that the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate will generally be 1.00% greater than the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate. However, this is not guaranteed. In certain interest rate environments, the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate may not always be 1.00% greater than the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate. In some cases, it may be more or less than 1.00% greater than the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Examples: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Assume the calculation of <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Ten-Year</div> Treasuries Formula Rate results in an Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate of 3.25% and the calculation of the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Ten-Year</div> Treasuries Formula Rate results in a Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate of 4.25%. Since the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate is subject to a guaranteed minimum of 4%, the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate would be 4%. The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate would remain 4.25% having met the same guaranteed minimum. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Assume the calculation of <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Ten-Year</div> Treasuries Formula Rate results in an Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate of 7.25% and the calculation of the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Ten-Year</div> Treasuries Formula Rate results in a Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate of 8.25%. Since the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate is below the guaranteed maximum of 8%, the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate would remain 7.25%. The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate would be 8% because it would have exceeded our guaranteed maximum. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">It is important to note that on each contract date anniversary, we will apply either the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate or the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate to your GMIB benefit base based on whether you have ever taken a withdrawal from the Protected Benefit account. In statements we provide you, we will show you the <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amounts under both rate scenarios. Once you take a withdrawal from your Protected Benefit account, the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate will no longer be shown on your statements. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">New business rates. </div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Your initial Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will not be less than 4% or, if greater, the <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate. Your initial Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will not be less than 4% or, if greater, the Deferral <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate. Once a contract is issued with the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> and Deferral rates that are in effect for new business, those rates will be applicable for two contract years. Any transfers or contributions to the Protected Benefit account variable investment options, either directly or through a </div></div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the time period in which new business rates are in effect will get the new business rates. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">New business rates are no longer applicable after the duration specified in your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">75 Day rate <div style="white-space:nowrap;display:inline;">lock-in. </div></div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">If your initial contribution is received at our processing office within 75 days of the date you sign your application, your initial Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will be as follows: if either the Deferral Roll-up rate or the Annual Roll-up rate is lower on the date your contract is issued than on the date you signed your application, your contract will be issued with the Roll-up rates in effect on the date you signed your application. However, if on the date your contract is issued one Roll-up rate is higher and the other Roll-up rate is at least equal to the rate in effect on the date you signed your application or both Roll-up rates are higher than the Roll-up rates on the date you signed your application, your contract will be issued with the Roll-up rates in effect on the date your contract is issued. If we do not receive your initial contribution within 75 days of the date you sign your application, then your initial Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will be the rates in effect on the date we issue your contract. However, our procedures may result in the return of your application if we do not receive your initial contribution within 75 days of the date you sign your application. For a <div style="white-space:nowrap;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">state-by-state</div></div> description of all material variations of this contract, including whether a different rate <div style="white-space:nowrap;display:inline;">lock-in</div> period applies in your state, see Appendix “State contract availability and/or variations of certain features and benefits”. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Examples: </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You sign your application for Retirement Cornerstone<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract on September 15th. On that date the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate and Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rates are 4.50% and 5.50%, respectively. Your initial contribution is received by way of a roll-over contribution on October 5th and the contract is issued the same day. On that date the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate and Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rates are 4.25% and 5.25%, respectively. In this example, your contract will be issued with the rates that were “locked in” at the time you signed your application, not the lower rates that were in effect on the date your contract was issued. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You sign your application for Retirement Cornerstone<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract on October 15th. On that date the Annual Roll-up rate and Deferral Roll-up rates are 4.50% and 5.00%, respectively. Your initial contribution is received by way of a rollover contribution on November 5th and the contract is issued the same day. On that date the Annual Roll-up rate and Deferral Roll-up rates are 4.75% and 5.25%, respectively. In this example, your contract will be issued with the rates that were in effect at the time your contract was issued, not the lower rates that were in effect on the date your application was signed. </td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These are your initial Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> and Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rates and they will apply to your contract for two contract years. Thereafter, Renewal rates will apply. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Renewal rates. </div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">After the new business rates are no longer in effect, a new Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will apply to your contract. A new Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will also apply provided you have never taken a withdrawal from your Protected Benefit account. These “Renewal rates” will never be less than 4% or, if greater, the underlying <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate (for the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate) and Deferral <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate (for the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate). </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These Renewal rates may be more than or less than, or equal to, your initial Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate and Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate. We also reserve the right to set new business rates that are higher than Renewal rates. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Any transfers or contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program and any contribution amounts in a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options, after the first day of any contract year will get the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate and Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate in effect as of the most recent contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Notification of Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Renewal rates. </div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">If you elected the GMIB, your contract will indicate the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and the applicable time period those rates are in effect. These rates may not be the same rates that were illustrated prior to your purchase of the contract. If you choose to fund the GMIB after the new business rates have expired, you can contact a Customer Service Representative or visit www.equitable.com to find out the current Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and if applicable, the Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate for your contract. In addition, your annual statement of contract values will show your current Renewal rates, as well as the previous year’s Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate or Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate (whichever applies) for your contract. This information can also be found online, through your Equitable Client portal. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate your Annual withdrawal amount and the credit to your GMIB benefit base if you have taken a withdrawal from your Protected Benefit account. The Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate the credit to your GMIB benefit base until a withdrawal is made. </div></div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual GMIB benefit base adjustment </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount is an amount credited to your GMIB benefit base on each contract date anniversary if there has ever been a withdrawal from your Protected Benefit account. The Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount adjustment to your GMIB benefit base is a primary way to increase the value of your GMIB benefit base. This amount is calculated by taking into account your GMIB benefit base from the preceding contract date anniversary, the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate under your contract, contributions and transfers to the Protected Benefit account during the contract year and any withdrawals up to the Annual </div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">withdrawal amount during the contract year. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. Any such withdrawal will reduce (i) your GMIB benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis, but not less than zero. However, a RMD withdrawal from our RMD program will not reduce your Annual Roll-up amount in the year you first fund your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount at the end of the contract year is calculated, as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your GMIB benefit base on the preceding contract date anniversary, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate that was in effect on the first day of the contract year; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any withdrawals up to the Annual withdrawal amount resulting in a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> reduction of the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any contribution to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any transfer from the Investment account and/or Guaranteed interest option to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any contribution amounts made during the contract year to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is based on the number of days in the contract year after the contribution or transfer. (Since there is no Annual withdrawal amount in the first contract year in which the Protected Benefit account is funded, any withdrawals in that year other than RMD withdrawals from our RMD program result in a dollar-for-dollar reduction of the Annual Roll-up amount (but not less than zero).) </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual GMIB benefit base adjustment </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount is an amount credited to your GMIB benefit base on each contract date anniversary provided you have never taken a withdrawal from your Protected Benefit account. The amount is calculated by taking into account your GMIB benefit base from the preceding contract date anniversary, the applicable Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate under your contract and contributions and transfers to the Protected Benefit account during the contract year. The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount adjustment to your GMIB benefit base is a primary way to increase the value of your GMIB benefit base. Your Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount at the end of the contract year is calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">your GMIB benefit base on the preceding contract date anniversary, multiplied by </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate that was in effect on the first day of the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any contribution to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any transfer from the Investment account and/or Guaranteed interest option to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">pro-rated</div> Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> amount for any contribution amounts made during the contract year to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">A <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is based on the number of days in the contract year after the contribution or transfer. </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:24%;text-align:center;margin-left: auto;margin-right: auto"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">The GMIB benefit base stops rolling up on the contract date anniversary following the owner’s (or older joint owner, if applicable) 95th birthday or, if earlier, at contract maturity, or the owner’s (or older joint owner’s, if applicable) death. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Annual withdrawal amount </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(Applicable prior to the beginning of Lifetime GMIB payments) </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual withdrawal amount for the next contract year is calculated on each contract date anniversary beginning with the contract year that follows the contract year in which the Protected Benefit account is first funded, and is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate in effect at the time, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the GMIB benefit base as of the most recent contract date anniversary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account, if your Lifetime GMIB payments have not begun, you may withdraw up to your Annual withdrawal amount without reducing your GMIB benefit base and adversely affecting your Lifetime GMIB payments. <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">It is important to note that withdrawals in excess of your Annual withdrawal</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">amount will have a harmful effect on both your GMIB benefit base and Lifetime GMIB payments. An Excess withdrawal that reduces your Protected Benefit account to zero will cause your</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">GMIB</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">to terminate. </div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You do not have an Annual withdrawal amount in the contract year in which you fund the Protected Benefit account. <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal and will reduce (i) your GMIB benefit base on a pro rata basis and (ii) your Annual Roll-up amount on a dollar-for-dollar basis.</div></div> Beginning with the contract year that follows the contract year in which your Protected Benefit account was first funded, the portion of a withdrawal from your Protected Benefit account in excess of your Annual withdrawal </div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">amount, and all subsequent withdrawals from your Protected Benefit account in that contract year, will always reduce your GMIB benefit base on a pro rata basis. This is referred to as an “Excess withdrawal”. The reduction of your GMIB benefit base on a pro rata basis means that we calculate the percentage of your current Protected Benefit account value that is being withdrawn and we reduce your current GMIB benefit base by the same percentage. A pro rata withdrawal will have a significant adverse effect on your benefit base in cases where the Protected Benefit account value is less than the benefit base. For an example of how a pro rata reduction works, see “How withdrawals affect your Guaranteed benefits” <div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div>and, for examples of how withdrawals affect your Annual withdrawal amount, see Appendix “Examples of how withdrawals affect your Guaranteed benefit bases”<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">. </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual withdrawal amount is always calculated using the Annual <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate in effect for your contract at the beginning of the contract year. The Deferral <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Roll-up</div> rate, described above, is never used for the purposes of calculating the Annual withdrawal amount. Your Annual withdrawal amounts are not cumulative. If you withdraw less than your Annual withdrawal amount in any contract year, you may not add the remainder to your Annual withdrawal amount in any subsequent year. Your Annual withdrawal amount may be more than or less than your Lifetime GMIB payments. Please refer to the beginning of this section for more information about “Lifetime GMIB payments”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Example of how your Annual withdrawal amount; Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount; Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual GMIB benefit base adjustment; and the effect of an Excess withdrawal is calculated. </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Annual withdrawal amount.</div></div> Assume you make a contribution of $200,000 and allocate $100,000 to your Protected Benefit account variable investment options and $100,000 to your Investment account variable investment options at issue. At the beginning of contract year three, assume you transfer $5,000 to your Protected Benefit account variable investment options. Also assume that your Annual Roll-up rate is 4% and your Deferral rate is 5% in each contract year. Accordingly, your GMIB benefit base on your third contract date anniversary is $121,012. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB benefit base of $121,012 is calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You start with $100,000 allocated to the Protected Benefit account variable investment options. This amount is your initial GMIB benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">The first Deferral Roll-up amount increases your GMIB benefit base to <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$105,000. </div></div>($100,000 + $5,000) </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left"><div style="font-style: normal; background: none; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">$100,000 (GMIB benefit base) x 5% (Deferral Roll-up rate) = $5,000 (Deferral Roll-up amount)</div></div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">The second Deferral Roll-up amount increases your GMIB benefit base to <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$110,250. </div></div>($105,000 + $5,250) </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left"> </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">$105,000 (GMIB benefit base) x 5% (Deferral Roll-up rate) = $5,250 (Deferral Roll-up amount)</div></div> </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">Your $5,000 transfer from the Investment account at the beginning of contract year three increases your GMIB benefit base to <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$115,250. </div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($110,250 + $5,000)</div></div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">The third Deferral Roll-up amount increases your GMIB benefit base to <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">$121,012. </div></div><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">($115,250 + $5,762)</div></div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left"><div style="font-style: normal; background: none; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">$115,250 (GMIB benefit base) x 5% (Deferral Roll-up rate) = $5,762 (Deferral Roll-up amount)</div></div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual withdrawal amount as of the beginning of contract year four is equal to $4,840, calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$121,012 (GMIB benefit base as of your most recent contract date anniversary) <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">multiplied by</div></div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">4% (your current Annual Roll-up rate) <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">equals</div></div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$4,840 </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note that your Annual Roll-up rate is used to calculate your Annual withdrawal amount. The Deferral Roll-up rate is never used to calculate your Annual withdrawal amount. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Annual Roll-up amount and annual benefit base adjustment.</div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> Further assume that during contract year four (on the 146th day of the contract year), you make a contribution of $10,000 to your Protected Benefit account variable investment options, making your current GMIB benefit base after the contribution $131,012. Also assume that you withdraw your full Annual withdrawal amount of $4,840 during contract year four. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On your fourth contract date anniversary, your Annual Roll-up amount is equal to $240, calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">4%<div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> (your current Annual Roll-up rate)</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">multiplied by</div></div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$121,012 <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(your GMIB benefit base as of your most recent contract date anniversary) </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">minus</div></div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$4,840 (the Annual withdrawal amount, which was withdrawn) <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">plus</div></div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$240 <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(the daily pro-rated Roll-up amount for the contribution: $10,000 x 4% x 219/365* = $240)</div></div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">equals </div></div>$240 </td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:24%;text-align:center;margin-left: auto;margin-right: auto"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">*</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">This fraction represents the number of days in a 365-day contract year that the contribution would have received credit toward the Roll-up amount.</div></div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note that the withdrawal in contract year four terminated the Deferral Roll-up rate. Therefore on the fourth contract date anniversary, the Annual Roll-up rate was used to calculate the Annual Roll-up amount. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your adjusted GMIB benefit base is $131,252. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Effect of an Excess withdrawal.</div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> In contract year four, assume instead that you make a withdrawal of $7,840 (including any applicable withdrawal charges). This would result in an </div></div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Excess withdrawal of $3,000 because your Annual withdrawal amount is only $4,840 ($7,840 – $4,840 = $3,000). Further, assume that your Protected Benefit account value at the time of this withdrawal is $100,000. As described in this section, Excess withdrawals reduce your GMIB benefit base on a pro-rata basis. Accordingly, your GMIB benefit base is reduced by $3,930 at the time of the withdrawal, calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$131,012 <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(your current GMIB benefit base: $121,012 + $10,000)</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">multiplied by</div></div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">3%<div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> (the percentage of your current Protected Benefit account value that was withdrawn in excess of your Annual withdrawal amount)</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">equals</div></div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$3,930 </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On your fourth contract date anniversary, your adjusted GMIB benefit base is $127,322, calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$127,082 <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(your GMIB benefit base adjusted to reflect the Excess withdrawal: $131,012 – $3,930 = $127,082)</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">plus</div></div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$240 <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(your Annual Roll-up amount)</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">equals</div></div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$127,322 </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note that the Excess withdrawal in contract year four terminated the no lapse guarantee. Please see the following section below for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See Appendix “Examples of how withdrawals affect your Guaranteed benefit bases” for more examples of how withdrawals affect your Guaranteed benefit bases and Annual withdrawal amount. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">GMIB “no lapse guarantee” </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, if your Protected Benefit account value falls to zero (except as discussed below), the GMIB will be exercised automatically, based on the owner’s (or older joint owner’s, if applicable) current age and GMIB benefit base as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You will be issued a life only supplementary contract based on a single life. Upon exercise, your Guaranteed minimum death benefit will be terminated. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You will have 30 days from when we notify you to change the payout option and/or the payment frequency. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Poor investment performance of the Protected Benefit account variable investment options may contribute to your Protected Benefit account value falling to zero. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The no-lapse guarantee will terminate under the following circumstances: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If your aggregate withdrawals from your Protected Benefit account in any contract year following the contract year in which you first fund your Protected Benefit account exceed your Annual withdrawal amount. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the contract date anniversary following the owner (or older joint owner, if applicable) reaching age 95, or, if earlier, the contract maturity date. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you were enrolled in the Maximum Payment Plan or Customized Payment Plan, the frequency of your Lifetime GMIB payments will be the same based on the payment frequency </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">you elected. Your Lifetime GMIB payment amount may be less than your Annual withdrawal amount in the prior contract year. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you were not enrolled in the Maximum Payment Plan or Customized Payment Plan, you will begin receiving your Lifetime GMIB payments annually beginning at the end of the next contract year. Your Lifetime GMIB payment amount may be less than your Annual withdrawal amount in the prior contract year. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Exercise of GMIB. </div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">On each contract date anniversary that you are eligible to exercise the GMIB, we will send you an eligibility notice illustrating how much income could be provided as of the contract date anniversary. You must notify us within 30 days following the contract date anniversary if you want to exercise the GMIB. You must return your contract to us, along with all required information within 30 days following your contract date anniversary, in order to exercise this benefit. Upon exercise of the GMIB, the owner (or older joint owner, if applicable) will become the annuitant, and the contract will be annuitized on the basis of the annuitant’s life. You will begin receiving annual payments one year after the annuity payout contract is issued. If you choose monthly or quarterly payments, you will receive your payment one month or one quarter after the annuity payout contract is issued. Under monthly or quarterly payments, the aggregate payments you receive in a contract year will be less than what you would have received if you had elected an annual payment, as monthly and quarterly payments reflect the time value of money with regard to both interest and mortality. You may choose to take a withdrawal prior to exercising the GMIB, which will reduce your payments. You may not partially exercise this benefit. See ‘‘Withdrawing your account value’’ in ‘‘Accessing your money’’. Payments end with the last payment before the annuitant’s<div style="display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div>(or joint annuitant’s, if applicable) death. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see “Exercise of the GMIB in the event of a GMIB fee increase” under “Charges and expenses” for more information on exercising your GMIB upon notice of a change to the GMIB fee. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Exercise rules. </div></div></div></div><div style="font-family: arial; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">The latest date you may exercise the GMIB is the 30th day following the contract date anniversary following the annuitant’s 95th birthday. Withdrawal charges, if any, will not apply when the GMIB is exercised at age 95. If the GMIB is exercised on any contract date anniversary prior to age 95, the GMIB benefit base is reduced by any remaining withdrawal charge. If the GMIB is exercised as a result of the no lapse guarantee, any applicable withdrawal charges are waived. Eligibility to exercise the GMIB is based on the owner’s (or older joint owner’s, if applicable) age, as follows: </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If you were at least age 20 and no older than age 44 on the contract date anniversary immediately preceding the date you first funded your Protected Benefit account, you are eligible to exercise the GMIB within 30 days following each contract date anniversary beginning with the 15th contract date anniversary following the date you first funded your Protected Benefit account. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-family: arial; font-size: 10pt; text-align: left; line-height: normal;">If you were at least age 45 and no older than age 49 on the contract date anniversary immediately preceding the date you first funded your Protected </div></td></tr></table><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-family: arial; font-size: 10pt; line-height: normal;">Benefit account, you are eligible to exercise the GMIB within 30 days following each contract date anniversary after age 60. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If you were at least age 50 and no older than age 80 on the contract date anniversary immediately preceding the date you first funded your Protected Benefit account, you are eligible to exercise the GMIB within 30 days following each contract date anniversary beginning with the 10th contract date anniversary following the date you first funded your Protected Benefit account. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB guarantees annual lifetime payments (“Lifetime GMIB payments”), which will begin at the earliest of: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">the next contract year following the date your Protected Benefit account value falls to zero (provided the no lapse guarantee is in effect); </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">the contract date anniversary following your 95th birthday; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">your contract’s maturity date; or </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iv)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">your election to exercise the GMIB. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Lifetime GMIB payments will be calculated as described below in this section. Whether your Lifetime GMIB payments are triggered by contract maturity, age 95, the no lapse guarantee, or your election to exercise the GMIB, we use the same calculation to determine the amount of the payments. Please note that withdrawal charges, if any, may apply if you elect to exercise the GMIB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For single owner contracts, the payout can be either based on a single life (the owner’s life) or joint lives. For IRA contracts, the joint life must be the spouse of the owner. For jointly owned contracts, payments can be based on a single life (based on the life of the older owner) or joint lives. For non-natural owners, payments are available on the same basis (based on the annuitant or joint annuitant’s life). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Lifetime GMIB payments are calculated by applying your GMIB benefit base less any applicable withdrawal charge remaining, to guaranteed annuity purchase factors. If your Protected Benefit account value is zero as described under “GMIB“ no lapse guarantee””, we will use your GMIB benefit base as of the day your Protected Benefit account value was reduced to zero. On the day your Protected Benefit account value is reduced to zero, we calculate your GMIB benefit base using the same formula described under “GMIB benefit base”. If your Protected Benefit account was reduced to zero on a date other than your contract anniversary, we will include a pro rata portion of the applicable Roll-up amount in your GMIB base. Withdrawal charges, if any, will not apply under these circumstances. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Example: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:arial">Assume your Protected Benefit account value goes to zero in the middle of the 10th contract year. At the beginning of the 10th contract year, the GMIB benefit base is $100,000. Further assume there were no contributions or transfers to the Protected Benefit account or any withdrawals during that contract year. If the applicable Roll-up rate was 4%, the GMIB benefit base on the day your Protected Benefit account value was reduced to zero would be $102,000. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your Protected Benefit account value is reduced to zero on your contract date anniversary as the result of the deduction of charges under the contract, we will add any remaining Annual Roll-up amount, or if applicable, your Deferral Roll-up amount, to your GMIB benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the GMIB is exercised under any of the four events as described above, and you have no Investment account value, the following applies: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">We will issue a supplementary contract with the same owner and beneficiary. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">The deferral contract, including the Guaranteed minimum death benefit will be terminated. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the GMIB is exercised under any of the four events as described above, and you have Investment account value, the following applies: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">We will issue a supplementary contract for the Protected Benefit account with the same owner and beneficiary. The Investment account under the deferred contract will continue to be in force. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">Your Lifetime GMIB payment will not reduce your Investment account value. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">Your Guaranteed minimum death benefit will be terminated. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iv)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">For IRA contracts, your RMD payments will be based solely on your Investment account value and may only be withdrawn from your Investment account. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elect to exercise the GMIB or your Protected Benefit account value has not fallen to zero before the contract maturity date or the contract date anniversary that follows the annuitant reaching age 95, whichever is sooner, the following applies: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">We will issue a supplementary contract with the same owner and beneficiary; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">Your Lifetime GMIB payments will be equal to the greater of: </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">your Protected Benefit account value applied to the guaranteed, or, if greater, the current annuitization factors, </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold;text-align:center">-OR- </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the GMIB benefit base applied to the guaranteed annuity purchase factors. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example, assuming the current annuitization factors are greater than the guaranteed annuitization factors, a male contract owner whose annuitant is age 95 and has a $100,000 GMIB benefit base and $50,000 in Protected Benefit account value would receive the greater of the following: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">Current annuitization factors (which are subject to change) applied to his $50,000 Protected Benefit account value, which currently equals a monthly payment of $1,065, or </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">The guaranteed annuity purchase factor discussed above (in this example, it would be 0.63%) applied to his $100,000 GMIB benefit base, which equals a Lifetime GMIB monthly payment of $630. </div></td></tr></table><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In this example, the contract owner’s monthly payment would be $1,065. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">Any Investment account value will be annuitized under a separate contract based on one of the annuity payout options discussed under “Your annuity payout options” in “Accessing your money”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">Upon issuing your supplementary contract, your Guaranteed minimum death benefit and your death benefit in connection with your Investment account value will be terminated. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the GMIB and your Protected Benefit account value falls to zero due to an Excess withdrawal, we will terminate your GMIB and you will receive no payment or supplementary life annuity contract, even if your GMIB benefit base is greater than zero. Please see the Hypothetical illustrations in Appendix “Hypothetical illustrations” for an example of how Lifetime GMIB payments are calculated when: (i) a hypothetical Protected Benefit account value falls to zero, and (ii) the annuitant reaches age 95. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">if the GMIB benefit base is reset after age 85, the only time you may exercise the GMIB is within 30 days following the contract date anniversary following the annuitant’s attainment of age 95; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">for Retirement Cornerstone<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series QP contracts, the Plan participant can exercise the GMIB only if he or she elects to take a distribution from the Plan and, in connection with this distribution, the Plan’s trustee changes the ownership of the contract to the participant. This effects a rollover of the Retirement Cornerstone<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series QP contract into a Retirement Cornerstone<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series traditional IRA. This process must be completed within the 30-day time frame following the contract date anniversary in order for the Plan participant to be eligible to exercise. However, if the GMIB is automatically exercised as a result of the no lapse guarantee, a rollover into an IRA will not be effected and payments will be made directly to the trustee; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">since no partial exercise is permitted, owners of defined benefit QP contracts who plan to change ownership of the contract to the participant must first compare the participant’s lump sum benefit amount and annuity benefit amount to the GMIB benefit base and account value, and make a withdrawal from the contract if necessary. See ‘‘How withdrawals affect your Guaranteed benefits’’; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(iv)</div></div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">if you reset the GMIB benefit base (as described in this section), your new exercise date will be the tenth contract date anniversary following the reset or, if later,</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">the earliest date you would have been permitted to ex</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">ercise without regard to the reset, but in no event will it</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">be later than the contract date anniversary following</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">age</div></div> <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">95. Please note that in most cases, resetting your GMIB benefit base will lengthen the waiting period;</div></div> </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(v)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">a spouse beneficiary or younger spouse joint owner under Spousal continuation may only continue the GMIB if the contract is not past the last date on which the original owner could have exercised the benefit. In addition, the spouse beneficiary or younger spouse joint owner must be eligible to continue the benefit and to exercise the benefit under the applicable exercise rule (described in the above bullets) using the following additional rules. The spouse beneficiary or younger spouse joint owner’s age on the date of the owner’s death replaces the owner’s age at issue, for purposes of determining the availability of the benefit and which of the exercise rules applies. For example, if an owner is age 70 at issue, and he dies at age 79, and the spouse beneficiary is 86 on the date of his death, she will not be able to exercise the GMIB, even though she was 77 at the time the contract was issued, because eligibility is measured using her age at the time of the owner’s death, not her age on the issue date. The original contract issue date will continue to apply for purposes of the exercise rules; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(vi)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">if the contract is jointly owned and not an IRA contract, you can elect to have the GMIB paid either: (a) as a joint life benefit or (b) as a single life benefit paid on the basis of the older owner’s age (if applicable); </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(vii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">if the contract is an IRA contract, you can elect to have the Guaranteed minimum income benefit paid either: (a) as a joint life benefit, but only if the joint annuitant is your spouse or (b) as a single life benefit paid on the basis of the older annuitant’s age; and </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(viii)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; text-align: left; line-height: normal;">if the contract is owned by a trust or other non-natural person, eligibility to elect or exercise the GMIB is based on the annuitant’s (or older joint annuitant’s, if applicable) age, rather than the owner’s. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See ‘‘Effect of the owner’s death’’ under ‘‘Payment of death benefit’’ for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see ‘‘How withdrawals affect your Guaranteed benefits’’ and ‘‘Effect of your account values falling to zero’’ in ‘‘Determining your contract’s value’’ for more information on these guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">From time to time, we may offer you some form of payment or incentive in return for terminating or modifying certain guaranteed benefits. See “Guaranteed benefit offers” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Asset transfer program (‘‘ATP’’) </div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the GMIB, you are required to participate in the asset transfer program (‘‘ATP’’). The ATP helps us manage our financial exposure in providing the guaranteed benefits, by using predetermined mathematical formulas to move account value between the ATP Portfolio and the other Protected Benefit account variable investment options. The formulas applicable to you may not be altered once you have the benefit. In essence, we seek to preserve account value in the Protected Benefit account variable investment options by transferring some or all of your account value in other Protected Benefit account variable investment options </div><div style="clear: both; height: 0pt; font-size: 0pt; max-height: 0px;"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">to a more stable option (i.e., the ATP Portfolio). The formulas also contemplate the transfer of some or all of the account value from the ATP Portfolio to the other Protected Benefit account variable investment options according to your allocation instructions on file. The formulas are described below and are also described in greater detail in Appendix “Formula for asset transfer program for Guaranteed minimum income benefit”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The ATP Portfolio will only be used to hold amounts transferred out of your other Protected Benefit account variable investment options in accordance with the formulas described below. The ATP Portfolio is part of the Protected Benefit account, but you may not directly allocate a contribution to the ATP Portfolio or request a transfer of account value into the ATP Portfolio. The ATP applies to amounts you allocate to the Protected Benefit account variable investment options. On a limited basis, you may request a transfer out of the ATP Portfolio, subject to the rules discussed below. For a summary description of the ATP Portfolio, please see ‘‘Portfolios of the Trusts’’ in "Purchasing the Contract". </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Transfers into or out of the ATP Portfolio, if required, are processed on each valuation day. The valuation day occurs on each contract monthiversary. The contract monthiversary is the same date of the month as the contract date. If the contract monthiversary is not a business day in any month, the valuation day will be the next business day. For contracts with issue dates after the 28th day of the month, the valuation day will be on the first business day of the following month. In the twelfth month of the contract year, the valuation day will be on the contract date anniversary. If the contract date anniversary occurs on a day other than a business day, the valuation day will be the business day immediately preceding the contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, the formulas work as follows. On each valuation day, two formulas — the ATP formula and the transfer amount formula — are used to automatically perform an analysis with respect to your GMIB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The first formula, called the ATP formula, begins by calculating a contract ratio, which is determined by dividing the Protected Benefit account value by the GMIB benefit base, and subtracting the resulting number from one. The contract ratio is then compared to predetermined ‘‘transfer points’’ to determine what portion of the Protected Benefit account value needs to be held in the ATP Portfolio. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the contract ratio on the valuation day is equal to or less than the minimum transfer point, all of the account value in the ATP Portfolio, if any, will be transferred to the other Protected Benefit account variable investment options according to your allocation instructions on file. If the contract ratio on the valuation day exceeds the minimum transfer point but is less than the maximum transfer point, amounts may be transferred either into or out of the ATP Portfolio depending on the account value already in the ATP Portfolio and a Special DCA program designated for the Protected Benefit account variable investment options. If the </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">contract ratio on the valuation day is equal to or greater than the maximum transfer point, the total amount of your account value in the Protected Benefit account variable investment options will be transferred into the ATP Portfolio. For purposes of these calculations, amounts in any Special DCA program designated for the Protected Benefit account variable investment options are excluded from amounts that are transferred into the ATP Portfolio. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">ATP transfers into the ATP Portfolio will be transferred out of your other Protected Benefit account variable investment options on a pro rata basis. ATP transfers out of the ATP Portfolio will be allocated among the other Protected Benefit account variable investment options in accordance with your allocation instructions on file. No amounts will be transferred into or out of a Special DCA program as a result of any ATP transfer. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you make a contribution or transfer to your Protected Benefit account after the contract date, that contribution will be allocated according to the instructions that you provide or, if we do not receive any instructions, according to the allocation instructions on file for your contract. If the contribution or transfer is processed on a valuation day, it will be subject to an ATP transfer calculation on that day. If the contribution is received between valuation days, the amount contributed will be subject to an ATP transfer calculation on the next valuation day. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A separate formula, called the transfer amount formula, is used to calculate the amount that must be transferred either into or out of the ATP Portfolio when the ATP formula indicates that such a transfer is required. For example, the transfer amount formula reallocates Protected Benefit account value such that for every 1% by which the contract ratio exceeds the minimum transfer point after the transaction 10% of the Protected Benefit account value will be invested in the ATP Portfolio and a Special DCA program designated for the Protected Benefit account variable investment options. When the contract ratio exceeds the minimum transfer point by 10% (i.e., it reaches the maximum transfer point), amounts will be transferred into the ATP Portfolio such that 100% of the Protected Benefit account value will be invested in the ATP Portfolio and a Special DCA program designated for the Protected Benefit account variable investment options. On the first day of your first ATP year, the minimum transfer point is 10% and the maximum transfer point is 20%. The minimum and maximum transfer points increase each contract monthiversary. In the 20th ATP year (and later), the minimum transfer point is 50% and the maximum transfer point is 60%. See Appendix “Formula for asset transfer program for Guaranteed minimum income benefit” for a list of transfer points. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Each time you make a subsequent contribution or transfer to your Protected Benefit account we will apply a setback adjustment formula. We use the formula to determine whether (and to what extent) your applicable transfer points may be “set back”. Any set back of your transfer points will apply on the next business day. The formula we use to </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">calculate the set back applicable to you may not be altered once you have the benefit. In general, the formula adjusts your applicable transfer points to reflect the weighted average age of all contributions and transfers made to the Protected Benefit account in relation to the GMIB benefit base on the day prior to the contribution or transfer. For information about the calculation, please see Appendix “Formula for asset transfer program for Guaranteed minimum income benefit”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you take a withdrawal from your Protected Benefit account and there is account value allocated to the ATP Portfolio, the withdrawal will be taken pro rata out of your Protected Benefit account variable investment options (including the ATP Portfolio). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Subject to any necessary regulatory approvals and advance notice to affected contract owners, we reserve the right to utilize an investment option other than the ATP Portfolio as part of the ATP. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">ATP exit option.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> Apart from the operation of the formulas, you may request a transfer of account value in the ATP Portfolio. You may wish to exercise the ATP exit option if you seek greater equity exposure and if it meets your investment goals and risk tolerance. This strategy may result in higher growth of your Protected Benefit account value if the market increases which may also increase your Guaranteed benefit bases upon a reset. On the other hand, if the market declines, your Protected Benefit account value will also decline which will reduce the likelihood that your Guaranteed benefit bases will increase. You should consult with your financial professional to assist you in determining whether exercising the ATP exit option meets your investment goals and risk tolerance. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The ATP exit option is subject to the following limitations: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You may not transfer out of the ATP Portfolio during the contract year in which you first fund your Protected Benefit account. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Beginning in the contract year that follows the contract year in which you first fund your Protected Benefit account, and until the contract year following age 85, you may make a transfer out of the ATP Portfolio only once per contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You must elect the transfer on a specific transfer form we provide. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">100% of your account value in the ATP Portfolio must be transferred out. You cannot request a partial transfer. The transfer will be allocated to your other Protected Benefit account variable investment options based on the instructions we have on file. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">There is no minimum account value requirement for the ATP exit option. You may make this election if you have any account value in the ATP Portfolio. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">We are not able to process an ATP exit option on a valuation day. If your transfer form is received in good order on a valuation day, your ATP exit option will be </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt">processed on the next business day. If no account value remains in the ATP Portfolio on that day, there will be no transfer and your election will not count as your one permitted ATP exit option for that contract year. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If we process an ATP exit option, we will recalculate your benefit bases. A transfer may result in a reduction in your Guaranteed benefit bases and therefore a reduction in the value of your Guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You should be aware that contributions and transfers to the Protected Benefit account generally have the effect of moving money out of the ATP Portfolio. However, in cases where the GMIB benefit base far exceeds the Protected Benefit account value and a contribution or transfer has not been made for a long period of time, making an additional contribution or transfer to the Protected Benefit account may result in no movement out of the ATP Portfolio due to the ATP year set back. Under these circumstances, the additional contribution or transfer may be transferred into the ATP Portfolio on the next valuation day. You should consider these factors when making a subsequent contribution or transfer to your Protected Benefit account. See Appendix “Formula for asset transfer program for Guaranteed minimum income benefit” for examples of how subsequent contributions may impact the ATP exit option. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On the day the ATP exit option is processed, the current value of the GMIB benefit base, the Roll-up to age 85 benefit base and the Highest Anniversary Value benefit base (as applicable) is compared to the new benefit base produced by the ATP exit option formula. Each benefit base (the GMIB benefit base, the Roll-up to age 85 benefit base and the Highest Anniversary Value benefit base) is adjusted to the lesser of the current value of that benefit base or the new benefit base produced by the ATP exit option formula. There is the potential that the Roll-up to age 85 benefit base will be adjusted without a corresponding adjustment to the Highest Anniversary Value benefit base and vice versa. The Return of Principal death benefit base is not adjusted. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the GMIB benefit base and Roll-up to age 85 benefit base are adjusted, there are no corresponding adjustments made to the Deferral Roll-up amount, the Annual Roll-up amount and the Annual withdrawal amount in that contract year. Any applicable amounts are added to your newly adjusted GMIB benefit base and Roll-up benefit base to age 85. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For information about the ATP exit option, please see Appendix “Formula for asset transfer program for Guaranteed minimum income benefit”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">GMIB annuity purchase factors.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> Annuity purchase factors are the factors applied to determine your periodic payments under the GMIB and base contract annuity payout options. GMIB annuity purchase factors are based on the owner’s (and any younger joint owner’s) age, frequency of payment, are the same regardless of gender, and are generally more conservative than the base contract annuity purchase factors. Base contract annuity payout options are discussed under "Your annuity payout options" in "Accessing your money" later in this Prospectus. Base contract annuity purchase factors are based on interest rates, mortality tables, </div></div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">frequency of payments, the form of annuity benefit, and the owner’s (and any joint owner’s) age and sex in certain instances. We may provide more favorable current annuity purchase factors for the annuity payout options than those specified in your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Exercising the GMIB when your Protected Benefit account value is greater than zero</div></div></div><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> The lifetime annual payment amount you receive will be the greater of the Lifetime GMIB payment amount or the income derived from applying your Protected Benefit account value to our current or guaranteed annuitization factors. This lifetime annual payment amount may be lower than your Annual withdrawal amount depending on your age, current annuitization factors, and your Protected Benefit account and GMIB benefit base values at the time you exercise the GMIB. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Exercising the GMIB through the no-lapse guarantee when your Protected Benefit account value falls to zero.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> If your Protected Benefit account value falls to zero and the no lapse guarantee is in effect, the GMIB is exercised automatically and you will receive Lifetime GMIB payments. This annual Lifetime GMIB payment amount may be lower than your Annual withdrawal amount, depending on your age at the time the GMIB is exercised and whether you elect to be paid on a single or joint life basis. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">Exercising the GMIB provides you with a guaranteed annual lifetime payment that is not intended to replace the annual income you can receive by withdrawing the Annual withdrawal amount prior to exercising the GMIB. The annual Lifetime GMIB</div> <div style="font-weight:bold;display:inline;">payment amount you receive is based on conservative actuarial factors and may be lower than your Annual withdrawal amount.</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">At some GMIB exercise ages, the annual Lifetime GMIB payment amount may be less than your Annual withdrawal amount. Accordingly, you should not deplete your Protected Benefit account value through withdrawals in reliance on receiving a similar amount of annual income through Lifetime GMIB payments.</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx42760_29" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Series CP</div><div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="font-family:arial;display:inline;"><div style="font-weight:bold;display:inline;"></div></div><div style="font-weight:bold;display:inline;"> and your Guaranteed benefit bases </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Credit and Earnings bonus amounts are not included in your GMIB and GMDB benefit bases. If you decide to transfer amounts from your Investment account to your Protected Benefit account variable investment options, only amounts representing contributions and earnings will increase your benefit bases. Credit and Earnings bonus amounts to your Investment account are considered transferred first, though any amount of that transfer that represents those amounts will be excluded from your Guaranteed benefit bases, except to the extent that any credit and Earnings bonus amounts are part of the Protected Benefit account value, which is used to calculate the Highest Anniversary Value benefit base or a benefit base reset in connection with the GMIB benefit base or the Roll-up to age 85 benefit base (used to calculate the ”Greater of” death benefit). All transfers, however, will increase your Protected Benefit account value by the total amount of the transfer. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On December 1st, you purchase a Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract, make an initial contribution of $100,000. Your contract is issued with the GMIB and the Return of Principal death benefit. You allocate the entire $100,000 contribution to the Investment account variable investment options and $0 to the Protected Benefit account variable investment options. In effect, you have not started to fund your Guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The credit on contributions applied to your contract is $3,000 ($100,000 x 3%), resulting in an initial Investment account value of $103,000. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On December 15th, you decide to fund your Guaranteed benefits by transferring $10,000 to the Protected Benefit account variable investment options. After that transfer, your Protected Benefit account value would be $10,000, but your GMIB benefit base and Return of Principal death benefit base would both be $7,000 ($10,000 – $3,000). This is because credits to your Investment account are always considered transferred first. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx42760_30" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">How withdrawals affect your Guaranteed benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, withdrawals from your Protected Benefit account will reduce your Guaranteed benefit bases on a pro rata basis. Reduction on a pro rata basis means that we calculate the percentage of your current Protected Benefit account value that is being withdrawn and we reduce your current Guaranteed benefit bases by the same percentage. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example, if your Protected Benefit account value is $30,000 and you withdraw $12,000, you have withdrawn 40% of your Protected Benefit account value. If your Guaranteed benefit base was $40,000 before the withdrawal, it would be reduced by $16,000 ($40,000 X .40) and your new Guaranteed benefit base after the withdrawal would be $24,000 ($40,000 – $16,000). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your Protected Benefit account value is greater than your Guaranteed benefit base, an Excess withdrawal will result in a reduction of your Guaranteed benefit base that will be less than the withdrawal. For example, if your Protected Benefit account value is $30,000 and you withdraw $12,000, you have withdrawn 40% of your Protected Benefit account value. If your Guaranteed benefit base was $20,000 before the withdrawal, it would be reduced by $8,000 ($20,000 X .40) and your new Guaranteed benefit base after the withdrawal would be $12,000 ($20,000 – $8,000). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A pro rata deduction means that if you take a withdrawal that reduces your Guaranteed benefit bases on a pro rata basis and your Protected Benefit account value is less than your Guaranteed benefit base, the amount of the Guaranteed benefit base reduction will exceed the amount of the withdrawal. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For purposes of calculating the adjustment to your Guaranteed benefit bases, the amount of the withdrawal will include the amount of any applicable withdrawal charge. Using the example above, the $12,000 withdrawal would include the withdrawal amount paid to you and the amount of any applicable withdrawal charge deducted from your Protected Benefit account value. For more information on the calculation of the charge, see “Withdrawal charge”. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the GMIB with the Highest Anniversary Value death benefit or the “Greater of” death benefit and you take a withdrawal from your Protected Benefit account, your Highest Anniversary Value benefit base for the respective guaranteed minimum death benefits will be reduced on a dollar-for-dollar basis by withdrawals up to the Annual withdrawal amount, and on a pro rata basis by Excess withdrawals (including any applicable withdrawal charges). <div style="font-weight:bold;display:inline;">Note that any</div><div style="font-weight:bold;display:inline;"> withdrawal from</div><div style="font-weight:bold;display:inline;"> </div><div style="font-weight:bold;display:inline;">your </div><div style="font-weight:bold;display:inline;">Protected Benefit</div><div style="font-weight:bold;display:inline;"> account in the</div><div style="font-weight:bold;display:inline;"> </div><div style="font-weight:bold;display:inline;">first contract year in which the </div><div style="font-weight:bold;display:inline;">Protected Benefit</div><div style="font-weight:bold;display:inline;"> account is funded is an Excess withdrawal.</div><div style="font-weight:bold;display:inline;"> </div>If you take a withdrawal from your Protected Benefit account and you did not elect the GMIB with the Highest Anniversary Value death benefit, your Highest Anniversary Value benefit base will be reduced on a pro rata basis (including any applicable withdrawal charges). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals affect your GMIB benefit base and <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base, as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A withdrawal from your Protected Benefit account in the contract year in which you first fund your Protected Benefit account will reduce your GMIB benefit base and <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account, if your Lifetime GMIB payments have not begun, withdrawals up to your Annual withdrawal amount will not reduce your GMIB benefit base. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:15pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account and until the contract date anniversary after age 85, if your Lifetime GMIB payments have not begun, withdrawals up to your Annual withdrawal amount will not reduce your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Beginning on the contract date anniversary after age 85, withdrawals will reduce your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> basis up to your Annual withdrawal amount. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The portion of a withdrawal in excess of your Annual withdrawal amount (“Excess withdrawal”) will always reduce your GMIB benefit base and <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. This means that once a withdrawal is taken that causes the sum of the withdrawals from your Protected Benefit account to exceed the Annual withdrawal amount, that portion of the withdrawal that exceeds the Annual withdrawal amount and any subsequent withdrawals from your Protected Benefit account in that contract year will reduce the GMIB benefit base and <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix “Examples of how withdrawals affect your Guaranteed benefit bases” for examples of how withdrawals affect your Guaranteed benefit bases. For information on how RMD payments affect your Guaranteed benefits, see “Lifetime required minimum distribution withdrawals” in “Accessing your money”. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx42760_31" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Dropping or changing your Guaranteed benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can drop or change your Guaranteed benefits, subject to our rules. Your ability to do so depends on whether you have funded your Protected Benefit account. If you have not </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">funded your Protected Benefit account, we call this a “pre-funding” drop or change. If you have funded your Protected Benefit account, we call this a “post-funding” drop. Also, in order to make a change to your Guaranteed minimum death benefit, you must meet the eligibility requirements for the new benefit. If you drop a Guaranteed benefit, you will not be permitted to add it back to your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Pre-Funding</div> Drop or Change </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Prior to funding your Protected Benefit account, you can drop your GMIB or Guaranteed minimum death benefit, or change your Guaranteed minimum death benefit. For contracts with the GMIB, the Guaranteed minimum death benefit generally cannot be changed without first dropping the GMIB. In Appendix “Dropping or changing your Guaranteed benefits”, we provide a chart that lists the possible Guaranteed benefit combinations under the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract and our rules for dropping and changing benefits prior to funding your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Post-Funding Drop </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you funded your Protected Benefit account at issue and contributions to the contract are no longer subject to withdrawal charges, you have the option to drop both your GMIB and Guaranteed minimum death benefit. Also, in some cases, you can drop your GMIB and retain your Guaranteed minimum death benefit. If you funded your Protected Benefit account after issue, you generally cannot drop your Guaranteed benefit(s) until the later of: (i) the contract date anniversary following the date the Protected Benefit account was funded, and (ii) the expiration of all withdrawal charges. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you decide to drop all Guaranteed benefits post-funding, we require that you complete the administrative form we provide for this purpose. You must either take a full withdrawal of your Protected Benefit account or make a <div style="white-space:nowrap;display:inline;">one-time</div> transfer to the Investment account variable investment options and guaranteed interest option. The Guaranteed benefits and any applicable charges will be terminated as of the business day we receive the properly completed administrative form at our processing office. Please note that when a Guaranteed benefit (other than the Return of Principal death benefit) is dropped on any date other than a contract date anniversary, we will deduct a pro rata portion of the charge for that year. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For contracts with the GMIB, the Guaranteed minimum death benefit cannot be dropped without first dropping the GMIB. In Appendix “Dropping or changing your Guaranteed benefits”, we provide a chart that lists the possible Guaranteed benefit combinations under the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract and our rules for dropping and changing benefits if you have already funded your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you drop the GMIB from your contract and retain the GMDB, the ATP will no longer be in effect and any account value in the ATP Portfolio will be allocated according to your instructions on file for the Protected Benefit account. If you drop the GMIB from your contract and do not retain the GMDB and you make a one-time transfer to the Protected Benefit account, any account value in the ATP Portfolio will </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">be allocated according to your instructions on file for the Investment account (including the guaranteed interest option). Please note that if you drop the GMIB from your contract, you may not retain the “Greater of“ GMDB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Dropping or changing your Guaranteed benefits in the event of a fee change.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> In the event that we exercise our contractual right to change the fee for the GMIB or “Greater of” death benefit, you may be given a <div style="white-space:nowrap;display:inline;">one-time</div> opportunity to drop your Guaranteed benefits or change your GMDB if it is not yet funded, subject to our rules. You may drop or change your Guaranteed benefits only within 30 days of the fee change notification. If you have funded your Protected Benefit account and wish to drop your Guaranteed benefits, the requirement that all withdrawal charges have expired will be waived. See “Fee changes for the Guaranteed minimum income benefit and “Greater of” death benefit“ in “Charges and expenses” and Appendix “Dropping or changing your Guaranteed benefits” for more information. </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx42760_32" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Guaranteed benefit offers </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">From time to time, we may offer you some form of payment or incentive in return for terminating or modifying certain guaranteed benefits. Previously, we made offers to groups of contract owners that provided for an increase in account value in return for terminating their guaranteed death or income benefits. In the future, we may make additional offers to these and other groups of contract owners. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When we make an offer, we may vary the offer amount, up or down, among the same group of contract owners based on certain criteria such as account value , the difference between account value and any applicable benefit base, investment allocations and the amount and type of withdrawals taken. For example, for guaranteed benefits that have benefit bases that can be reduced on either a pro rata or dollar-for-dollar basis, depending on the amount of withdrawals taken, we may consider whether you have taken any withdrawal that has caused a pro rata reduction in your benefit base, as opposed to a dollar-for-dollar reduction. Also, we may increase or decrease offer amounts from offer to offer. In other words, we may make an offer to a group of contract owners based on an offer amount, and, in the future, make another offer based on a higher or lower offer amount to the remaining contract owners in the same group. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you accept an offer that requires you to terminate a guaranteed benefit, we will no longer charge you for it, and you will not be eligible for any future offers related to that type of guaranteed benefit, even if such future offer would have included a greater offer amount or different payment or incentive. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx42760_33" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Other Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx42760_34" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Dollar cost averaging </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We offer a variety of dollar cost averaging programs. Not all of the programs described here are available with each </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract. You may only participate in one program at a time. Each program allows you to gradually allocate amounts to available investment options by periodically transferring approximately the same dollar amount to the investment options you select. Regular allocations to the variable investment options will cause you to purchase more units if the unit value is low and fewer units if the unit value is high. Therefore, you may get a lower average cost per unit over the long term. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">All amounts in a dollar cost averaging program will be transferred at the completion of the time period you select. Currently, our Special DCA programs time periods do not extend beyond 12 months. These plans of investing do not guarantee that you will earn a profit or be protected against losses. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Units measure your value in each variable investment option. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We offer the following dollar cost averaging programs in the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contracts: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Special dollar cost averaging; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Special money market dollar cost averaging; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">General dollar cost averaging; and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Investment simplifier. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The only dollar cost averaging programs that are available to fund your Guaranteed benefits are special dollar cost averaging and special money market dollar cost averaging (together, the “Special DCA programs”). Depending on the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract you own, you will have one of the Special DCA programs available to you, but not both. The Special DCA programs allow you to gradually fund your Protected Benefit account value through systematic transfers to the Protected Benefit account variable investment options. Amounts allocated to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options are included in the benefit bases for your Guaranteed benefits. Also, you may make systematic transfers to the Investment account variable investment options and the guaranteed interest option. Amounts in the account for special money market dollar cost averaging are immediately invested in the EQ/Money Market variable investment option. Only new contributions may be allocated to a Special DCA program. For information on how a Special DCA program may affect certain Guaranteed benefits, see “Guaranteed minimum income benefit” and “Guaranteed minimum death benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">General dollar cost averaging and Investment simplifier, on the other hand, can only be used for systematic transfers to your Investment account variable investment options. Our Investment simplifier program is available for scheduled transfers from the guaranteed interest option to the Investment account variable investment options. Our General dollar cost averaging program is available for scheduled transfers from the EQ/Money Market variable investment </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">option to the Investment account variable investment options. Below, we provide detail regarding each of the programs. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Generally, you may not elect both a dollar cost averaging program and a rebalancing option. The only exception is if you elect our Investment simplifier program with Option I under our rebalancing programs, which does not rebalance amounts in the guaranteed interest option. For more information on our rebalancing programs, see “Rebalancing among your Investment account variable investment options and guaranteed interest option” in “Transferring your money among investment options.” </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We do not deduct a transfer charge for any transfer made in connection with our dollar cost averaging programs. We may, at any time, exercise our right to terminate transfers to any of the variable investment options and to limit the number of variable investment options which you may elect. Not all dollar cost averaging programs are available in all states. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, including information on the availability of our dollar cost averaging programs in your state, see Appendix “State contract availability and/or variations of certain features and benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Our Special DCA programs. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">We currently offer the “Special dollar cost averaging program” under the Series B and Series L contracts and the “Special money market dollar cost averaging program” under the Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Special dollar cost averaging </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under the special dollar cost averaging program, you may dollar cost average from the account for special dollar cost averaging, which is part of the general account. We credit daily interest, which will never be less than 1% or the guaranteed lifetime minimum rate for the guaranteed interest option, whichever is greater, to amounts allocated to this account. Currently, the guaranteed lifetime minimum rate is 1.00%. We guarantee to pay the current interest rate that is in effect on the date that your contribution is allocated to this account. That interest rate will apply to that contribution as long as it remains in the account for special dollar cost averaging. The guaranteed interest rate for the time period that you select will be shown in your contract for your initial contribution. We set the interest rates periodically, based on our discretion and according to procedures that we have. We reserve the right to change these procedures. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We will transfer amounts from the account for special dollar cost averaging into the investment options you designate over an available time period that you select. If the special dollar cost averaging program is selected at the time of the application to purchase the contract, a 60 day rate lock will apply from the date of application. Any contribution(s) received during this 60 day period will be credited with the interest rate offered on the date of application for the duration of the special dollar cost averaging time period. Any contribution(s) received after the 60 day rate lock period has ended will be credited with the then current interest rate for </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">the duration of the time period selected. Once the time period you selected has ended, you may select another time period for future contributions. At that time, you may also select a different allocation for transfers to the investment options, or, if you wish, we will continue to use the allocation that you previously made. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Special money market dollar cost averaging </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under the special money market dollar cost averaging program, you may dollar cost average from the account for special money market dollar cost averaging, which is part of the EQ/Money Market variable investment option. We will transfer amounts from the account for special money market dollar cost averaging into the Protected Benefit account variable investment options, the Investment account variable investment options and the guaranteed interest option over an available time period that you select. One of the primary benefits of the special money market dollar cost averaging program is that amounts in the program designated for the Protected Benefit account variable investment options count toward your Guaranteed benefits on the business day you establish the program. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under both Special DCA programs, the following applies: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Initial contributions to a Special DCA program must be at least $2,000; subsequent contributions to an existing Special DCA program must be at least $250; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Subsequent contributions to an existing program do not extend the time period of the program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Contributions into a Special DCA program must be new contributions; you may not make transfers from amounts allocated to other investment options to initiate a Special DCA program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">We offer time periods of 3, 6 or 12 months. We may also offer other time periods. You may only have one time period in effect at any time and once you select a time period, you may not change it; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Contributions to a Special DCA program may be designated for the Protected Benefit account variable investment options, the Investment account variable investment options and/or the guaranteed interest option, subject to the following: </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If you want to take advantage of one of our Special DCA programs, 100% of your contribution must be allocated to either the account for special dollar cost averaging or the account for special money market dollar cost averaging. In other words, your contribution cannot be split between the Special DCA program and any other investment options available under the contract. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If you want to dollar cost average into the guaranteed interest option, 100% of your contribution must be allocated to the Special DCA program. Up to 25% of your Special DCA program may be designated for the guaranteed interest option, even if such a trans-</div></td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36pt"> </td> <td style="vertical-align:top;text-align:left">fer would result in more than 25% of your Total account value being allocated to the guaranteed interest option. See “Transferring your account value” in “Transferring your money among investment options”; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your instructions for the program must match your allocation instructions on file on the day the program is established. If you change your allocation instructions on file while the Special DCA program is in effect, the ratio of amounts allocated to the Protected Benefit account to amounts allocated to the Investment account will not change. However, amounts will be allocated within each account according to your new instructions; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your Guaranteed benefit base(s) will be increased to reflect any contribution to the Special DCA program that you have instructed us to transfer to the Protected Benefit account variable investment options. The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate (or Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate, if applicable) in effect on your contract will apply immediately to any contribution that is designated to be transferred to the Protected Benefit account variable investment options. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate (or Deferral <div style="white-space:nowrap;display:inline;">Roll-up</div> rate, if applicable) in effect will not be applied to credits associated with contributions allocated to the Special DCA program that are designated to be transferred to the Protected Benefit account variable investment options; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If we exercise our right to discontinue the acceptance of, and/or place additional limitations on, contributions and transfers into the Protected Benefit account variable investment options, and your Special DCA program has transfers scheduled to the Protected Benefit account variable investment options, the program will continue for its duration. However, subsequent contributions to any Protected Benefit account variable investment options under a Special DCA program will not be permitted; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">•</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">If you have one or more Guaranteed benefits and we exercise our right to discontinue the acceptance of, and/or place additional limitations on, contributions to the contract and/or contributions and/or transfers into the Protected Benefit account variable investment options, you may no longer be able to fund your Guaranteed benefit(s). This means that if you have not yet allocated amounts to the Protected Benefit account variable investment options, you may not be able to fund your Guaranteed benefit(s). This also means that if you have already funded your Guaranteed benefits by allocating amounts to the Protected Benefit account variable investment options, you may no longer be able to increase your Protected Benefit account value and the benefit bases associated with your Guaranteed benefits through contributions and transfers; </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">We will transfer all amounts by the end of the chosen time period. The transfer date will be the same day of the month as the contract date, but not later than the 28th day of the month. For a Special DCA program selected after application, the first transfer date and each subsequent transfer date for the time period selected will be one month from the date the first contribution is made into the Special DCA program, but not later than the 28th day of the month. The only transfers that will be made are your regularly scheduled transfers to the variable investment options. If you request to transfer any other amounts from your Special DCA program, we will transfer all of the value that you have remaining in the account to the investment options according to the allocation percentages for the Special DCA program that we have on file for you; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Except for withdrawals made under our Automatic RMD withdrawal service or our other automated withdrawal programs (systematic withdrawals and substantially equal withdrawals), or for the assessment of contract charges, any unscheduled partial withdrawal from your Special DCA program will terminate your Special DCA program. Any amounts remaining in the account after the program terminates will be transferred to the destination investment options according to your Special DCA program allocation instructions. Any withdrawal which results in a reduction in the Special DCA program amount previously included in your Guaranteed benefit bases will reduce the Guaranteed benefit bases as described in this Prospectus. See “How withdrawals affect your Guaranteed benefits”; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">For contracts with the GMIB, ATP transfers are not taken out of amounts allocated to a Special DCA program. Please see ‘‘Asset transfer program (‘‘ATP’’)’’. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Generally, you may not elect both a dollar cost averaging program and a rebalancing option. The only exception is if you elect our Investment simplifier program with Option I under our rebalancing programs, which does not rebalance amounts in the guaranteed interest option. See “Rebalancing among your Investment account variable investment options and guaranteed interest option” in “Transferring your money among investment options” to learn more about rebalancing; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">All of the dollar cost averaging programs available under your Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contracts can be selected if you enrolled in our Systematic transfer program. However, no amounts will be transferred out of a Special DCA program as part of the Systematic transfer program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A Special DCA program may not be in effect at the same time as a general dollar cost averaging program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The only dollar cost averaging program available to fund your Guaranteed benefits is a Special DCA program; </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You may cancel your participation at any time. If you terminate your Special DCA program, we will allocate any remaining amounts in your Special DCA program pursuant to your program allocations on file; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If you are dollar cost averaging into the Protected Benefit account variable investment options when you decide to drop all Guaranteed benefits (“post-funding drop”), we will default future transfers designated for the Protected Benefit account variable investment options to the corresponding Investment account variable investment options that invest in the same underlying Portfolios. Also, you can cancel your Special DCA program and accelerate all transfers to the corresponding Investment account variable investment options. See “Dropping or changing your Guaranteed benefits” and Appendix “Dropping or changing your Guaranteed benefits” for more information; and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">We may offer these programs in the future with transfers on a different basis. Your financial professional can provide information in the time periods and interest rates currently available in your state, or you may contact our processing office. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">General dollar cost averaging program </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your value in the EQ/Money Market variable investment option is at least $5,000, you may choose, at any time, to have a specified dollar amount or percentage of your value transferred from that option to any of the Investment account variable investment options. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, including information on the availability of our general dollar cost averaging program, see Appendix “State contract availability and/or variations of certain features and benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can select to have transfers made on a monthly, quarterly or annual basis. The transfer date will be the same calendar day of the month as the contract date, but not later than the 28th day of the month. You can also specify the number of transfers or instruct us to continue making the transfers until all amounts in the EQ/Money Market variable investment option have been transferred out. The minimum amount that we will transfer each time is $250. The instructions for the program may differ from your allocation instructions on file. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If, on any transfer date, your value in the EQ/Money Market variable investment option is equal to or less than the amount you have elected to have transferred, the entire amount will be transferred. The general dollar cost averaging program will then end. You may change the transfer amount once each contract year or cancel this program at any time. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You may not participate in our optional rebalancing programs if you elect the general dollar cost averaging program. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Investment simplifier </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Fixed-dollar option. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">Under this option, you may elect to have a fixed-dollar amount transferred out of the guaranteed interest option and into the Investment account variable investment options of your choice. Transfers may be </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">made on a monthly, quarterly or annual basis. You can specify the number of transfers or instruct us to continue to make transfers until all available amounts in the guaranteed interest option have been transferred out. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In order to elect the fixed-dollar option, you must have a minimum of $5,000 in the guaranteed interest option on the date we receive your election form at our processing office. The transfer date will be the same calendar day of the month as the contract date but not later than the 28th day of the month. The minimum transfer amount is $50. Also, this option is subject to the guaranteed interest option transfer limitations described under “Transferring your account value” in “Transferring your money among investment options”. While the program is running, any transfer that exceeds those limitations will cause the program to end for that contract year. You will be notified if this occurs. You must send in a request form to resume the program in the next or subsequent contract years. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If, on any transfer date, your value in the guaranteed interest option is equal to or less than the amount you have elected to have transferred, the entire amount will be transferred, provided the transfer complies with the same guaranteed interest option transfer limitations referenced above. If the transfer does not comply with the transfer limitations, the transfer will not be made and the program will end. You may change the transfer amount once each contract year or cancel this program at any time. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Interest sweep option. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">Under this option, you may elect to have monthly transfers from amounts in the guaranteed interest option into the Investment account variable investment options of your choice. The transfer date will be the last business day of the month. The amount we will transfer will be the interest credited to amounts you have in the guaranteed interest option from the last business day of the prior month to the last business day of the current month. You must have at least $7,500 in the guaranteed interest option on the date we receive your election. If the amount in the guaranteed interest option falls below $7,500 at the beginning of the month, no transfer will be made that month. We will automatically cancel the interest sweep program if the amount in the guaranteed interest option is less than $7,500 on the last day of the month for two months in a row. For the interest sweep option, the first monthly transfer will occur on the last business day of the month following the month that we receive your election form at our processing office. Transfers under the Interest sweep option are subject to the guaranteed interest option transfer limitations described under “Transferring your account value” in “Transferring your money among investment options”. </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx42760_35" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Rebalancing among your Investment account variable investment options and guaranteed interest option </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We offer two rebalancing programs that you can use to automatically reallocate your Investment account value among your Investment account variable investment options and the guaranteed interest option. Option I allows you to rebalance </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">your Investment account value among the Investment account variable investment options. Option II allows you to rebalance your Investment account value among the Investment account variable investment options and the guaranteed interest option. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">To enroll in one of our rebalancing programs, you must notify us in writing or through Equitable Client portal and tell us: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(a)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">the percentage you want invested in each investment option (whole percentages only), and </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(b)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">how often you want the rebalancing to occur (quarterly, semiannually, or annually on a contract year basis). </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Rebalancing will occur on the same day of the month as the contract date. If a contract is established after the 28th, rebalancing will occur on the first business day of the month following the contract date. If you elect quarterly rebalancing, the rebalancing in the last quarter of the contract year will occur on the contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Once it is available, you may elect or terminate the rebalancing program at any time. You may also change your allocations under the program at any time. Once enrolled in the rebalancing program, it will remain in effect until you instruct us in writing to terminate the program. Requesting an investment option transfer while enrolled in our rebalancing program will not automatically change your allocation instructions for rebalancing your account value. This means that upon the next scheduled rebalancing, we will transfer amounts among your investment options pursuant to the allocation instructions previously on file for your program. Changes to your allocation instructions for the rebalancing program (or termination of your enrollment in the program) must be in writing and sent to our processing office. Termination requests can be made online through Equitable Client portal. See “How to reach us” in “The Company”. There is no charge for the rebalancing feature. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Rebalancing does not assure a profit or protect against loss. You should periodically review your allocation percentages as your needs change. You may want to discuss the rebalancing program with your financial professional before electing the program. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">While your rebalancing program is in effect, we will transfer amounts among the applicable investment options so that the percentage of your Investment account value that you specify is invested in each option at the end of each rebalancing date. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you select Option II, you will be subject to our rules regarding transfers from the guaranteed interest option to the Investment account variable investment options. These rules are described in “Transferring your account value”. Under Option II, a transfer into or out of the guaranteed interest option to initiate the rebalancing program will not be permitted if such transfer would violate these rules. If this occurs, the rebalancing program will not go into effect. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You may not elect Option II if you are participating in any dollar cost averaging program. You may not elect Option I if you are participating in special money market dollar cost averaging or general dollar cost averaging. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Our optional rebalancing programs are not available for amounts allocated to the Protected Benefit account variable investment options. For information about rebalancing among the Protected Benefit account variable investment options, see the section below. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx42760_36" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Rebalancing among your Protected Benefit account variable investment options </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can rebalance your Protected Benefit account value by submitting a request to rebalance as of the date we receive your request, however, scheduled recurring rebalancing is not available. Therefore, any subsequent rebalancing transactions would require a subsequent rebalancing request. Your rebalance request must indicate the percentage you want rebalanced in each investment option (whole percentages only). You can rebalance only to the investment options available in your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When we rebalance your Protected Benefit account, we will transfer amounts among the investment options so that the percentage of your account value in each option at the end of the rebalancing date matches the most recent allocation instructions that we have on file. Rebalancing does not assure a profit or protect against loss, so you should periodically review your allocation percentages as your needs change. Amounts in the ATP Portfolio are excluded from rebalancing. </div> <div id="tx42760_19" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Summary of Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following tables summarize important information about the benefits available under the contract. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Death Benefits</div></div></div></div><div style="font-family: arial; font-size: 10pt; background: none; letter-spacing: 0px; top: 0px;display:inline;"><div style="background: none; text-decoration: none;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These death benefits are available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:9pt;width:100%;border-spacing:0"> <tr> <td style="width:11%"></td> <td style="vertical-align:bottom"></td> <td style="width:37%"></td> <td style="vertical-align:bottom"></td> <td style="width:6%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td style="width:37%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name of<br/>Benefit</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Purpose</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Standard/</div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Optional</div></td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td colspan="3" style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center; padding-bottom: 0.375pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Brief Description of Restrictions/Limitations</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Max</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Return of Principal Death Benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees beneficiaries will receive a benefit at least equal to your contributions less adjusted withdrawals.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Standard</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Additional<br/> <div style="margin-bottom: 1pt; margin-top: 0pt; font-size: 9pt; font-family: arial; text-align: center; line-height: normal;">Charge</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Highest Anniversary Value Death Benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Locks in highest adjusted anniversary account value as minimum death benefit.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">0.35%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit or the “Greater of” Death Benefit</div></div></div></td></tr> <tr style="font-size:1pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; padding-left:8pt;height:1.5pt"> </td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="height:1.5pt"></td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">“Greater of” Death Benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees the beneficiaries will receive at least the greater of the Roll-up benefit base and the Highest Anniversary Value benefit base.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">1.15%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit or the Highest Anniversary Value Death Benefit</div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div> </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Expressed as an annual percentage of the benefit base. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Living Benefit</div></div></div></div><div style="font-family: arial; font-size: 10pt; background: none; letter-spacing: 0px; top: 0px;display:inline;"><div style="background: none; text-decoration: none;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">This living benefit is available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:11%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:37%"></td> <td style="vertical-align:bottom"></td> <td style="width:6%"></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:37%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name of<br/>Benefit</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Purpose</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Standard/</div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Optional</div></td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td colspan="3" style="border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center; padding-bottom: 0.375pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Brief Description of Restrictions/Limitations</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Max</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Guaranteed minimum income benefit (GMIB)</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees a minimum annuitization value to provide lifetime retirement income.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Standard</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">2.30%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">1.15%<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div> </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Expressed as an annual percentage of the benefit base. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="font-family: arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style: italic; letter-spacing: 0px; top: 0px;display:inline;">Other Benefits</div></div></div></div><div style="font-family: arial; font-size: 10pt; background: none; letter-spacing: 0px; top: 0px;display:inline;"><div style="background: none; text-decoration: none;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These other benefits are available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:9pt;width:100%;border-spacing:0"> <tr> <td style="width:11%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:37%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:6%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:36%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name of<br/>Benefit</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Purpose</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Standard/</div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 8pt; font-family: arial; font-weight: bold; text-align: center; line-height: normal;">Optional</div></td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td colspan="3" style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; text-align: center; padding-bottom: 0.375pt;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Brief Description of Restrictions/Limitations</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Max</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: arial; line-height: normal;">Rebalancing</div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: arial; line-height: normal;"> Option I<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1) </div>and Option II<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(2)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Periodically rebalance to your desired asset mix</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Charge</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with DCA</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Account value in the Protected Benefit account cannot be rebalanced</div></div></div></td></tr> <tr style="font-size:1pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; padding-left:8pt;height:1.5pt"> </td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="4" style="height:1.5pt"></td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:9pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: arial; line-height: normal;">Dollar Cost Averaging (special DCA, general DCA, and Investment Simplifier)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Transfer account value to selected investment options on a regular basis to potentially reduce the impact of market volatility.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Charge</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with Rebalancing</div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1)</div> </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Option I allows you to rebalance your Investment account value among the Investment account variable investment options. </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(2)</div> </td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Option II allows you to rebalance your Investment account value among the Investment account variable investment options and the guaranteed interest option. </div></td></tr></table> Return of Principal Death Benefit Guarantees beneficiaries will receive a benefit at least equal to your contributions less adjusted withdrawals. true 0 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div> Highest Anniversary Value Death Benefit Locks in highest adjusted anniversary account value as minimum death benefit. true 0.0035 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit or the “Greater of” Death Benefit</div></div></div> “Greater of” Death Benefit Guarantees the beneficiaries will receive at least the greater of the Roll-up benefit base and the Highest Anniversary Value benefit base. true 0.023 0.0115 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit or the Highest Anniversary Value Death Benefit</div></div></div> Guaranteed minimum income benefit (GMIB) Guarantees a minimum annuitization value to provide lifetime retirement income. true 0.023 0.0115 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Excess withdrawals could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Subject to restrictions on investment options</div></div></div> <div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: arial; line-height: normal;">Rebalancing</div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 1em; text-indent: -1em; font-size: 9pt; font-family: arial; line-height: normal;"> Option I<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(1) </div>and Option II<div style="font-size:75%; vertical-align:top;display:inline;font-size:7.5px">(2)</div></div> Periodically rebalance to your desired asset mix true 0 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with DCA</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Account value in the Protected Benefit account cannot be rebalanced</div></div></div> Dollar Cost Averaging (special DCA, general DCA, and Investment Simplifier) Transfer account value to selected investment options on a regular basis to potentially reduce the impact of market volatility. true 0 <div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.777778em; font-size:9pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.161111em; font-size:9pt; font-family:arial">Not generally available with Rebalancing</div></div> <div id="tx42760_72" style="margin-top:0pt; margin-bottom:0pt; font-size:17.5pt; font-family:arial"><div style="font-weight:bold;display:inline;">3.</div> Principal risks of investing in the contract </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The risks identified below are the principal risks of investing in the contract. The contract may be subject to additional risks other than those identified and described in this Prospectus. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx42760_73" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Risks associated with variable investment options </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You take all the investment risk for amounts allocated to one or more of the subaccounts, which invest in Portfolios. If the subaccounts you select increase in value, then your Total account value goes up; if they decrease in value, your Total account value goes down. How much your Total account value goes up or down depends on the performance of the Portfolios in which your subaccounts invest. We do not guarantee the investment results of any Portfolio. An investment in the contract is subject to the risk of poor investment performance, and the value of your investment can vary depending on the performance of the selected Portfolio(s), each of which has its own unique risks. You should review the Portfolios before making an investment decision. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx42760_74" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Insurance company risk </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">No company other than us has any legal responsibility to pay amounts that we owe under the contract including amounts allocated to the guaranteed interest option. The general obligations and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. You should look solely to our financial strength for our claims-paying ability. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx42760_75" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Possible fees on access to total account value </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We may apply fees if you access your Total account value during the accumulation period or surrender your contract. For example, in addition to possible tax consequences, you may incur fees for accessing your Total account value such as a withdrawal charge, transfer fee, third party transfer or exchange fee, annual administrative expense, base contract expense, and/or a charge for any optional benefits. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx42760_76" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Possible adverse tax consequences </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The tax considerations associated with the contract vary and can be complicated. The applicable tax rules can differ, depending on the type of contract, whether NQ, traditional IRA, Roth IRA or QP. The tax consequences discussed in this Prospectus are general in nature and describe only federal income tax law (not state, local, foreign or other federal tax laws). Moreover, the tax aspects that apply to a particular person’s contract may vary depending on the facts applicable to that person. Tax rules may change without notice. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We cannot predict whether, when, or how these rules could change. Any change could affect contracts purchased before the change. Congress may also consider further proposals to comprehensively reform or overhaul the United States tax and retirement systems, which if enacted, could affect the tax benefits of a contract. We cannot predict what, if any, legislation will actually be proposed or enacted. Before making contributions to your contract or taking other action related to your contract, you should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals are generally subject to income tax, and may be subject to tax penalties if taken before age 59<div style="vertical-align:top;display:inline;font-size:9.2px">1</div>⁄<div style="vertical-align:bottom;display:inline;font-size:9.2px">2</div>. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx42760_77" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Not a short-term investment </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle and you should consider whether investing in the contract is consistent with the purpose for which the investment is being considered. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx42760_78" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Risk of loss </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">All investments have risks to some degree and it is possible that you could lose money by investing in the contract. An investment in the contract is not a deposit with a bank and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx42760_a1" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Optional Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Investment options are limited if Guaranteed benefits are elected. Guaranteed benefits are funded through the Protected Benefit account variable investment options and once a withdrawal is taken from the Protected Benefit account, you cannot make additional contributions to the Protected Benefit account. We may limit or stop accepting contributions and transfers to the Protected Benefit account variable investment options which means you may no longer be able to increase your Protected Benefit account value and the benefit bases associated with your Guaranteed benefits through contributions and transfers. Excess withdrawals may terminate or significantly reduce the value of your optional benefits. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="pro42760_100a" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Contract changes risk </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We may, at any time, exercise our rights to limit or terminate your contributions, allocations and transfers to any of the variable investment options (including the Protected Benefit </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">account variable options). We reserve the right, subject to compliance with laws that apply, to remove variable investment options from the Separate Account, to combine any two or more variable investment options, to restrict or eliminate any voting rights as to the Separate Account, to limit or terminate contributions or transfers into any of the variable investment options, and to limit the number of variable investment options you may select. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You should evaluate whether our ability to make the changes described above, and your ability to react to such changes, are appropriate based on your investment goals. When such changes occur, you should also evaluate whether those changes are appropriate based on your investment goals and, if not, you should evaluate your options under the Contract, which may be limited and may have negative consequences associated with them, as described in this section. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx42760_a2" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Series CP<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div> Contracts </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The fees and charges for Series CP<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div> contracts are higher than for Series B contracts and the amount of the credit may be more than offset by these higher fees and charges. Credits may be recaptured upon free look, annuitization and death. Withdrawals may limit credits for subsequent contributions. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx42760_a3" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Limitations on access to cash value through withdrawals </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals may be subject to withdrawal charges, income tax and may be subject to tax penalties if taken before age 59<div style="vertical-align:top;display:inline;font-size:9.2px">1</div>⁄<div style="vertical-align:bottom;display:inline;font-size:9.2px">2</div>. The minimum partial withdrawal amount is $300. Withdrawals will reduce your Total account value and optional benefit bases and the amount of the reduction may be greater than the dollar amount of the withdrawal. Excess withdrawals may terminate or significantly reduce the value of your optional benefits. Certain withdrawals may also terminate your contract. Withdrawals from Series CP® contracts may limit Credits for subsequent contributions. If you take a withdrawal from the Protected Benefit account, you cannot make additional contributions to the Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="pro42760_a3a" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Availability by financial intermediary </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">Some financial intermediaries (e.g., selling broker-dealer firms) may not offer and/or may limit the offering of certain investment options, contract benefits, and other contract features based on issue age or other criteria established by the selling broker-dealer. For example, your financial professional may not recommend a particular investment option or contract benefit to you that is described in this Prospectus. Before you purchase the contract, you should discuss with your financial professional any limitations, restrictions, or other variations related to the investment options, contract benefits or other contract features available to you through your financial professional. If a particular feature that interests you is not recommended through your broker-dealer, you may want to contact us to explore its availability. </div></div><div id="tx42760_79" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Business disruption, cybersecurity, and artificial intelligence (“AI”) technologies risks </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We rely heavily on technology, including interconnected computer systems and data storage networks and digital communications, to conduct our business. Because our business is highly dependent upon the effective operation of our computer systems and those of our service providers and other business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyberattacks. Cyberattacks may be systemic (e.g., affecting the internet, cloud services, or other infrastructure) or targeted (e.g., failures in or breach of our systems or those of third parties on whom we rely, including ransomware and malware attacks). Cybersecurity risks include, among other things, the loss, theft, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on our websites (or the websites of third parties on whom we rely), other operational disruption and unauthorized release, use or abuse of confidential customer information. The risk of cyberattacks may be higher during periods of geopolitical turmoil. Due to the increasing sophistication of cyberattacks, a cybersecurity breach could occur and persist for an extended period of time without detection. Systems failures and cyberattacks, as well as, any other catastrophic event, including natural and man-made disasters, public health emergencies, pandemic diseases, terrorist attacks, floods or severe storms affecting us, any third-party administrator, the underlying funds, intermediaries and other affiliated or third-party service providers may adversely affect us, our business operations and your account value and interfere with our ability to process contract transactions and calculate account values. Systems failures and cyberattacks may also interfere with our processing of contract transactions, including the processing of orders from our website or with the underlying funds, impact our ability to calculate account values and unit values and/or the underlying funds to be unable to calculate share values, cause the release or possible destruction of confidential customer and/or business information, impede order processing or cause other operational issues, subject us and/or our service providers and intermediaries to regulatory fines, litigation and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the underlying funds invest, which may cause the underlying funds to lose value. The preventative actions we take to reduce the frequency and severity of cybersecurity incidents and protect our computer systems may be insufficient to prevent a cybersecurity breach from impacting our operations or your contract value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid cybersecurity breaches affecting your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The development and deployment of AI tools and technologies, including generative AI, and its use and anticipated use by us or by third parties on whom we rely, may increase our existing operational risks or create new operational risks </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">that we are not currently anticipating. AI and generative AI may be misused by us or by third parties upon which we rely, and that risk is increased by the relative newness of the technology, the speed at which it is being adopted, and the uncertain and evolving policy and regulatory landscape governing its use. Such misuse could expose us to legal or regulatory risk. Because the generative AI technology is so new, many of the potential risks of generative AI are currently unknowable. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In addition, we are also exposed to risks related to natural and <div style="white-space:nowrap;display:inline;">man-made</div> disasters, including, but not limited to, the occurrence of any storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts or any other event, which could adversely affect our ability to conduct business. A natural or <div style="white-space:nowrap;display:inline;">man-made</div> disaster, including a pandemic such as <div style="white-space:nowrap;display:inline;">COVID-19,</div> could result in our workforce, and/or employees of service providers and/or third-party administrators, being compromised and unable or unwilling to fully perform their responsibilities, which could likewise result in interruptions in our service. This could interfere with our processing of contract transactions, including processing orders from owners and orders with the underlying funds, impact our ability to calculate contract value, or have other adverse impacts on our operations. These events may also negatively affect our service providers and intermediaries, the underlying funds and issuers of securities in which the underlying funds invest, which may cause the funds underlying your contract to lose value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid negative impacts associated with natural and <div style="white-space:nowrap;display:inline;">man-made</div> disasters. </div> <div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <div id="tx42760_73" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Risks associated with variable investment options </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You take all the investment risk for amounts allocated to one or more of the subaccounts, which invest in Portfolios. If the subaccounts you select increase in value, then your Total account value goes up; if they decrease in value, your Total account value goes down. How much your Total account value goes up or down depends on the performance of the Portfolios in which your subaccounts invest. We do not guarantee the investment results of any Portfolio. An investment in the contract is subject to the risk of poor investment performance, and the value of your investment can vary depending on the performance of the selected Portfolio(s), each of which has its own unique risks. You should review the Portfolios before making an investment decision. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx42760_74" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Insurance company risk </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">No company other than us has any legal responsibility to pay amounts that we owe under the contract including amounts allocated to the guaranteed interest option. The general obligations and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. You should look solely to our financial strength for our claims-paying ability. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx42760_75" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Possible fees on access to total account value </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We may apply fees if you access your Total account value during the accumulation period or surrender your contract. For example, in addition to possible tax consequences, you may incur fees for accessing your Total account value such as a withdrawal charge, transfer fee, third party transfer or exchange fee, annual administrative expense, base contract expense, and/or a charge for any optional benefits. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx42760_76" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Possible adverse tax consequences </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The tax considerations associated with the contract vary and can be complicated. The applicable tax rules can differ, depending on the type of contract, whether NQ, traditional IRA, Roth IRA or QP. The tax consequences discussed in this Prospectus are general in nature and describe only federal income tax law (not state, local, foreign or other federal tax laws). Moreover, the tax aspects that apply to a particular person’s contract may vary depending on the facts applicable to that person. Tax rules may change without notice. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We cannot predict whether, when, or how these rules could change. Any change could affect contracts purchased before the change. Congress may also consider further proposals to comprehensively reform or overhaul the United States tax and retirement systems, which if enacted, could affect the tax benefits of a contract. We cannot predict what, if any, legislation will actually be proposed or enacted. Before making contributions to your contract or taking other action related to your contract, you should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals are generally subject to income tax, and may be subject to tax penalties if taken before age 59<div style="vertical-align:top;display:inline;font-size:9.2px">1</div>⁄<div style="vertical-align:bottom;display:inline;font-size:9.2px">2</div>. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx42760_77" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Not a short-term investment </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle and you should consider whether investing in the contract is consistent with the purpose for which the investment is being considered. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx42760_78" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Risk of loss </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">All investments have risks to some degree and it is possible that you could lose money by investing in the contract. An investment in the contract is not a deposit with a bank and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx42760_a1" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Optional Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Investment options are limited if Guaranteed benefits are elected. Guaranteed benefits are funded through the Protected Benefit account variable investment options and once a withdrawal is taken from the Protected Benefit account, you cannot make additional contributions to the Protected Benefit account. We may limit or stop accepting contributions and transfers to the Protected Benefit account variable investment options which means you may no longer be able to increase your Protected Benefit account value and the benefit bases associated with your Guaranteed benefits through contributions and transfers. Excess withdrawals may terminate or significantly reduce the value of your optional benefits. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="pro42760_100a" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Contract changes risk </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We may, at any time, exercise our rights to limit or terminate your contributions, allocations and transfers to any of the variable investment options (including the Protected Benefit </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">account variable options). We reserve the right, subject to compliance with laws that apply, to remove variable investment options from the Separate Account, to combine any two or more variable investment options, to restrict or eliminate any voting rights as to the Separate Account, to limit or terminate contributions or transfers into any of the variable investment options, and to limit the number of variable investment options you may select. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You should evaluate whether our ability to make the changes described above, and your ability to react to such changes, are appropriate based on your investment goals. When such changes occur, you should also evaluate whether those changes are appropriate based on your investment goals and, if not, you should evaluate your options under the Contract, which may be limited and may have negative consequences associated with them, as described in this section. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx42760_a2" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Series CP<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div> Contracts </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The fees and charges for Series CP<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div> contracts are higher than for Series B contracts and the amount of the credit may be more than offset by these higher fees and charges. Credits may be recaptured upon free look, annuitization and death. Withdrawals may limit credits for subsequent contributions. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx42760_a3" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Limitations on access to cash value through withdrawals </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals may be subject to withdrawal charges, income tax and may be subject to tax penalties if taken before age 59<div style="vertical-align:top;display:inline;font-size:9.2px">1</div>⁄<div style="vertical-align:bottom;display:inline;font-size:9.2px">2</div>. The minimum partial withdrawal amount is $300. Withdrawals will reduce your Total account value and optional benefit bases and the amount of the reduction may be greater than the dollar amount of the withdrawal. Excess withdrawals may terminate or significantly reduce the value of your optional benefits. Certain withdrawals may also terminate your contract. Withdrawals from Series CP® contracts may limit Credits for subsequent contributions. If you take a withdrawal from the Protected Benefit account, you cannot make additional contributions to the Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="pro42760_a3a" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Availability by financial intermediary </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">Some financial intermediaries (e.g., selling broker-dealer firms) may not offer and/or may limit the offering of certain investment options, contract benefits, and other contract features based on issue age or other criteria established by the selling broker-dealer. For example, your financial professional may not recommend a particular investment option or contract benefit to you that is described in this Prospectus. Before you purchase the contract, you should discuss with your financial professional any limitations, restrictions, or other variations related to the investment options, contract benefits or other contract features available to you through your financial professional. If a particular feature that interests you is not recommended through your broker-dealer, you may want to contact us to explore its availability. </div></div> <div id="tx42760_79" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Business disruption, cybersecurity, and artificial intelligence (“AI”) technologies risks </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We rely heavily on technology, including interconnected computer systems and data storage networks and digital communications, to conduct our business. Because our business is highly dependent upon the effective operation of our computer systems and those of our service providers and other business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyberattacks. Cyberattacks may be systemic (e.g., affecting the internet, cloud services, or other infrastructure) or targeted (e.g., failures in or breach of our systems or those of third parties on whom we rely, including ransomware and malware attacks). Cybersecurity risks include, among other things, the loss, theft, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on our websites (or the websites of third parties on whom we rely), other operational disruption and unauthorized release, use or abuse of confidential customer information. The risk of cyberattacks may be higher during periods of geopolitical turmoil. Due to the increasing sophistication of cyberattacks, a cybersecurity breach could occur and persist for an extended period of time without detection. Systems failures and cyberattacks, as well as, any other catastrophic event, including natural and man-made disasters, public health emergencies, pandemic diseases, terrorist attacks, floods or severe storms affecting us, any third-party administrator, the underlying funds, intermediaries and other affiliated or third-party service providers may adversely affect us, our business operations and your account value and interfere with our ability to process contract transactions and calculate account values. Systems failures and cyberattacks may also interfere with our processing of contract transactions, including the processing of orders from our website or with the underlying funds, impact our ability to calculate account values and unit values and/or the underlying funds to be unable to calculate share values, cause the release or possible destruction of confidential customer and/or business information, impede order processing or cause other operational issues, subject us and/or our service providers and intermediaries to regulatory fines, litigation and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the underlying funds invest, which may cause the underlying funds to lose value. The preventative actions we take to reduce the frequency and severity of cybersecurity incidents and protect our computer systems may be insufficient to prevent a cybersecurity breach from impacting our operations or your contract value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid cybersecurity breaches affecting your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The development and deployment of AI tools and technologies, including generative AI, and its use and anticipated use by us or by third parties on whom we rely, may increase our existing operational risks or create new operational risks </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">that we are not currently anticipating. AI and generative AI may be misused by us or by third parties upon which we rely, and that risk is increased by the relative newness of the technology, the speed at which it is being adopted, and the uncertain and evolving policy and regulatory landscape governing its use. Such misuse could expose us to legal or regulatory risk. Because the generative AI technology is so new, many of the potential risks of generative AI are currently unknowable. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In addition, we are also exposed to risks related to natural and <div style="white-space:nowrap;display:inline;">man-made</div> disasters, including, but not limited to, the occurrence of any storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts or any other event, which could adversely affect our ability to conduct business. A natural or <div style="white-space:nowrap;display:inline;">man-made</div> disaster, including a pandemic such as <div style="white-space:nowrap;display:inline;">COVID-19,</div> could result in our workforce, and/or employees of service providers and/or third-party administrators, being compromised and unable or unwilling to fully perform their responsibilities, which could likewise result in interruptions in our service. This could interfere with our processing of contract transactions, including processing orders from owners and orders with the underlying funds, impact our ability to calculate contract value, or have other adverse impacts on our operations. These events may also negatively affect our service providers and intermediaries, the underlying funds and issuers of securities in which the underlying funds invest, which may cause the funds underlying your contract to lose value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid negative impacts associated with natural and <div style="white-space:nowrap;display:inline;">man-made</div> disasters. </div> <div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <div id="tx42760_96" style="margin-top:0pt; margin-bottom:0pt; font-size:17.5pt; font-family:arial">Appendix: Investment options available under the contract </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Variable Investment Options </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following is a list of Portfolio Companies available under the contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at www.equitable.com/ICSR#EQH150063. You can request this information at no cost by calling 1-877-522-5035 or by sending an email request to EquitableFunds@dfinsolutions.com. If you elect a Guaranteed benefit, you may only invest in the Portfolios listed in the Protected Benefit account table below. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The current expenses and performance information below reflects fee and expenses of the Portfolios, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Affiliated Portfolio Companies: </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:10%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:60%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Current<br/>Expenses</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company – Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Sub-Adviser(s),</div> as applicable</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Equity Income — Equitable Investment Management Group, LLC (“EIMG”); Barrow, Hanley, Mewhinney & Strauss, LLC d/b/a Barrow Hanley Global Investors</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.95%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.25%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT GAMCO Mergers & Acquisitions — EIMG; GAMCO Asset Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.29%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.91%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.70%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.38%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT GAMCO Small Company Value — EIMG; GAMCO Asset Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.05%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.82%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.24%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT High Yield Bond — EIMG; AXA Investment Managers US Inc., Post Advisory Group, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.02%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.54%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.92%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Natural Resources — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.90%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">28.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Real Estate — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.90%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.67%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.69%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.28%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Small Cap Value — EIMG; BlackRock Investment Management, LLC, Horizon Kinetics Asset Management LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.23%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.11%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.44%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.19%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/AB Dynamic Moderate GrowthΔ — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.13%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.46%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.31%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/AB Small Cap Growth — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.92%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.21%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.43%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Aggressive Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.01%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/All Asset Growth Allocation — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.25%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.18%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.28%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/American Century Mid Cap Value — EIMG; American Century Investment Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.00%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.72%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.64%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Balanced Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.97%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.05%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.68%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Capital Group Research — EIMG; Capital International, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.95%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.83%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.80%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.00%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/ClearBridge Large Cap Growth ESG — EIMG; ClearBridge Investments, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.00%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.69%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.63%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Common Stock Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.67%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.30%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.50%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.54%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Conservative Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.97%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.76%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Conservative Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.95%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.86%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Core Bond Index(1) — EIMG; SSGA Funds Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.62%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.43%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.35%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.70%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Core Plus Bond — EIMG; Brandywine Global Investment Management, LLC, Loomis, Sayles & Company, L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.93%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.58%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.68%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Emerging Markets Equity PLUS — EIMG; AllianceBernstein L.P., EARNEST Partners, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.20%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33.46%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.64%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Equity 500 Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.53%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.24%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.79%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.16%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Fidelity Institutional AM® Large Cap — EIMG; FIAM LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.87%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">18.34%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.86%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Franklin Rising Dividends — EIMG; Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.87%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.84%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.50%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Global Equity Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.08%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.14%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.33%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Goldman Sachs Mid Cap Value — EIMG; Goldman Sachs Asset Management L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.09%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.22%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Goldman Sachs Moderate Growth AllocationΔ — EIMG; Goldman Sachs Asset Management L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.15%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.02%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.02%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.76%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:10%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:60%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Current<br/>Expenses</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company – Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Sub-Adviser(s),</div> as applicable</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.00%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.44%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Intermediate Government Bond(1) — EIMG; SSGA Funds Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.62%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.54%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.30%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/International Core Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.06%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.52%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/International Equity Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.72%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31.53%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.91%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/International Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC, Harris Associates LP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.04%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.75%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Comstock — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.00%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.99%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.71%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Global — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.10%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.95%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.59%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Global Real Assets — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.16%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.11%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Janus Enterprise — EIMG; Janus Henderson Investors US LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.04%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.05%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/JPMorgan Growth Stock — EIMG; J.P. Morgan Investment Management Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.96%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.76%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.43%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/JPMorgan Value Opportunities — EIMG; J.P. Morgan Investment Management Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.95%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Large Cap Growth Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.71%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.74%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.51%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.26%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Large Cap Growth Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.87%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.64%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.01%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Large Cap Value Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.74%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.52%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Large Cap Value Managed Volatility† — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.86%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.62%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.69%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Lazard Emerging Markets Equity — EIMG; Lazard Asset Management LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.35%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">42.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.84%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Loomis Sayles Growth — EIMG; Loomis, Sayles & Company, L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.03%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.72%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.87%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS International Growth — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.10%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">20.90%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.90%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS International Intrinsic Value — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.15%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32.95%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.99%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS Mid Cap Focused Growth — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.10%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.60%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.09%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS Technology — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.10%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.24%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS Utilities Series — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.05%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.65%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.33%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Mid Cap Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.64%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.80%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.99%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Mid Cap Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.97%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.62%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.20%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Moderate Allocation† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.08%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.20%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Moderate Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.98%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.83%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.67%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Cash/Cash Equivalent</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Money Market* — EIMG; Dreyfus, a division of Mellon Investments Corporation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.67%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.79%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Global Real Return — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">2.74%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.52%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.90%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Real Return — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">2.22%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.95%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.24%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Total Return ESG — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.75%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.70%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.14%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Ultra Short Bond — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.80%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Small Company Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.63%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.57%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.16%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.44%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/T. Rowe Price Health Sciences — EIMG; T. Rowe Price Associates, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.20%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.21%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.62%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Ultra Conservative Strategy†# — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.90%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.25%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Value Equity — EIMG; Aristotle Capital Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.91%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.01%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.65%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Wellington Energy — EIMG; Wellington Management Company LLP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.19%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.90%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Equitable Conservative Growth MF/ETF Portfolio — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.10%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.03%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.95%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Multimanager Aggressive Equity — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.99%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.30%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">^</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This Portfolio’s annual expenses reflect temporary fee reductions. </div></div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">Δ</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">Certain other affiliated Portfolios, as well as unaffiliated Portfolios, may utilize volatility management techniques (including Fund of Fund Portfolios that invest in other Portfolios that utilize volatility management techniques) that differ from the EQ volatility management strategy. Affiliated Portfolios that utilize these volatility management techniques are identified in the chart by a “<div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">Δ</div>”. Any such unaffiliated Portfolio is not identified in the chart. See “Portfolios of the Trusts” for more information regarding volatility management. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">†</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">EQ Managed Volatility Portfolios that include the EQ volatility management strategy as part of their investment objective and/or principal investment strategy, and the EQ/affiliated Fund of Fund Portfolios that invest in Portfolios that use the EQ volatility management strategy, are identified in the chart by a “†“. See “Portfolios of the Trusts” for more information regarding volatility management. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">*</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The Portfolio operates as a “government money market fund.” The Portfolio will invest at least 99.5% of its total assets in U.S. government securities, cash, and/or repurchase agreements that are fully collateralized by U.S. government securities or cash. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">#</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The ATP Portfolio is part of the asset transfer program. You may not directly allocate a contribution to or request a transfer of account value into this investment option. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">Effective on or about June 29, 2026, and subject to shareholder approval, SSGA Funds Management, Inc. will be replaced as a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">sub-adviser</div> to the Portfolio (or an allocated portion thereof) with AllianceBernstein L.P. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Unaffiliated Portfolio Companies: </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:10%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:61%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Current<br/>Expenses</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company – Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Sub-Adviser(s),</div> as applicable</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">American Funds Insurance Series® Global Small Capitalization Fund — Capital Research and Management Company</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.33%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.23%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.96%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">American Funds Insurance Series® Managed Risk Asset Allocation Fund — Capital Research and Management Company; Milliman Financial Risk Management LLC</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.67%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.43%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">American Funds Insurance Series® New World Fund® — Capital Research and Management Company</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.07%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">27.93%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.06%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">American Funds Insurance Series® The Bond Fund of America® — Capital Research and Management Company</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.98%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.38%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.11%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">BlackRock Global Allocation V.I. Fund — BlackRock Advisors, LLC; BlackRock International Limited, BlackRock (Singapore) Limited</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.01%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.51%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.51%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.33%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">BlackRock Large Cap Focus Growth V.I. Fund — BlackRock Advisors, LLC</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.02%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.48%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.19%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Fidelity® VIP Mid Cap Portfolio — Fidelity Management and Research Company (FMR)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.80%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.49%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.83%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.31%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Fidelity® VIP Strategic Income Portfolio — Fidelity Management and Research Company (FMR)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.88%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.58%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.79%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Franklin Allocation VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.82%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.60%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.73%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Franklin Income VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.56%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.66%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.30%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Hartford Disciplined Equity HLS Fund — Hartford Funds Management Company, LLC; Wellington Management Company LLP</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.09%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.75%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.51%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.90%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Invesco V.I. Diversified Dividend Fund — Invesco Advisers, Inc.</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.93%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.44%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.53%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Lord Abbett Bond Debenture Portfolio (VC) — Lord, Abbett & Co. LLC</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.98%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.33%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.10%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.72%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">MFS® Massachusetts Investors Growth Stock Portfolio — Massachusetts Financial Services Company</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.61%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.74%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Nomura VIP Asset Strategy Series — Delaware Management Company; Macquarie Investment Management Global Limited</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.77%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.66%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.07%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.84%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Nomura VIP High Income Series — Delaware Management Company; Nomura Corporate Research and Asset Management Inc.</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.17%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.73%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">PIMCO CommodityRealReturn® Strategy Portfolio — Pacific Investment Management Company LLC</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.29%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">18.85%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.44%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">PIMCO Emerging Markets Bond Portfolio — Pacific Investment Management Company LLC</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.27%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.86%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.34%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.96%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">ProFund VP Biotechnology — ProFund Advisors LLC</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.60%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">34.03%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.50%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Templeton Emerging Markets VIP Fund(1) — Templeton Asset Management Ltd.</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.37%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">46.27%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.46%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Templeton Global Bond VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.75%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.73%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.96%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.15%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">VanEck VIP Global Resources Fund — Van Eck Associates Corporation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.32%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">36.17%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.24%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">^</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This Portfolio’s annual expenses reflect temporary fee reductions. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This is the variable investment option’s new name. The variable investment option’s former name is Templeton Developing Markets VIP Fund which may continue to be used in certain documents for a period of time after the date of this prospectus. </div></div></td></tr></table> The following is a list of Portfolio Companies available under the contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at www.equitable.com/ICSR#EQH150063. You can request this information at no cost by calling 1-877-522-5035 or by sending an email request to EquitableFunds@dfinsolutions.com. If you elect a Guaranteed benefit, you may only invest in the Portfolios listed in the Protected Benefit account table below. <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The current expenses and performance information below reflects fee and expenses of the Portfolios, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Affiliated Portfolio Companies: </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:10%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:60%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Current<br/>Expenses</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company – Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Sub-Adviser(s),</div> as applicable</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Equity Income — Equitable Investment Management Group, LLC (“EIMG”); Barrow, Hanley, Mewhinney & Strauss, LLC d/b/a Barrow Hanley Global Investors</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.95%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.25%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT GAMCO Mergers & Acquisitions — EIMG; GAMCO Asset Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.29%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.91%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.70%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.38%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT GAMCO Small Company Value — EIMG; GAMCO Asset Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.05%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.82%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.24%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT High Yield Bond — EIMG; AXA Investment Managers US Inc., Post Advisory Group, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.02%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.54%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.92%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Natural Resources — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.90%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">28.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Real Estate — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.90%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.67%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.69%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.28%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">1290 VT Small Cap Value — EIMG; BlackRock Investment Management, LLC, Horizon Kinetics Asset Management LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.23%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.11%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.44%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.19%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/AB Dynamic Moderate GrowthΔ — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.13%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.46%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.31%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/AB Small Cap Growth — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.92%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.21%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.43%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Aggressive Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.01%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/All Asset Growth Allocation — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.25%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.18%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.28%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/American Century Mid Cap Value — EIMG; American Century Investment Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.00%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.72%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.64%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Balanced Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.97%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.05%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.68%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Capital Group Research — EIMG; Capital International, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.95%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.83%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.80%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.00%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/ClearBridge Large Cap Growth ESG — EIMG; ClearBridge Investments, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.00%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.69%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.63%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Common Stock Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.67%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.30%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.50%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.54%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Conservative Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.97%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.76%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Conservative Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.95%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.86%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Core Bond Index(1) — EIMG; SSGA Funds Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.62%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.43%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.35%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.70%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Core Plus Bond — EIMG; Brandywine Global Investment Management, LLC, Loomis, Sayles & Company, L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.93%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.58%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.68%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Emerging Markets Equity PLUS — EIMG; AllianceBernstein L.P., EARNEST Partners, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.20%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33.46%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.64%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Equity 500 Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.53%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.24%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.79%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.16%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Fidelity Institutional AM® Large Cap — EIMG; FIAM LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.87%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">18.34%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.86%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Franklin Rising Dividends — EIMG; Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.87%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.84%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.50%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Global Equity Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.08%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.14%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.33%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Goldman Sachs Mid Cap Value — EIMG; Goldman Sachs Asset Management L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.09%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.22%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Goldman Sachs Moderate Growth AllocationΔ — EIMG; Goldman Sachs Asset Management L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.15%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.02%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.02%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.76%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:10%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:60%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Current<br/>Expenses</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company – Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Sub-Adviser(s),</div> as applicable</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.00%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.44%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Intermediate Government Bond(1) — EIMG; SSGA Funds Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.62%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.54%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.30%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/International Core Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.06%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.52%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/International Equity Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.72%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31.53%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.91%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/International Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC, Harris Associates LP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.04%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.75%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Comstock — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.00%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.99%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.71%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Global — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.10%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.95%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.59%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Invesco Global Real Assets — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.16%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.11%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Janus Enterprise — EIMG; Janus Henderson Investors US LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.04%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.05%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/JPMorgan Growth Stock — EIMG; J.P. Morgan Investment Management Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.96%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.76%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.43%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/JPMorgan Value Opportunities — EIMG; J.P. Morgan Investment Management Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.95%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Large Cap Growth Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.71%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.74%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.51%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.26%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Large Cap Growth Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.87%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.64%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.01%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Large Cap Value Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.74%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.52%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Large Cap Value Managed Volatility† — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.86%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.62%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.69%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Lazard Emerging Markets Equity — EIMG; Lazard Asset Management LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.35%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">42.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.84%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Loomis Sayles Growth — EIMG; Loomis, Sayles & Company, L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.03%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.72%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.87%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS International Growth — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.10%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">20.90%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.90%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS International Intrinsic Value — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.15%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32.95%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.99%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS Mid Cap Focused Growth — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.10%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.60%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.09%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS Technology — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.10%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.24%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/MFS Utilities Series — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.05%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.65%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.33%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Mid Cap Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.64%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.80%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.99%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Mid Cap Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.97%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.62%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.20%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Moderate Allocation† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.08%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.20%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Moderate Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.98%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.83%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.67%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Cash/Cash Equivalent</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Money Market* — EIMG; Dreyfus, a division of Mellon Investments Corporation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.67%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.79%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Global Real Return — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">2.74%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.52%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.90%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Real Return — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">2.22%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.95%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.24%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Total Return ESG — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.75%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.70%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.14%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/PIMCO Ultra Short Bond — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.80%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Small Company Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.63%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.57%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.16%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.44%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/T. Rowe Price Health Sciences — EIMG; T. Rowe Price Associates, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.20%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.21%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.62%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Ultra Conservative Strategy†# — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.90%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.25%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Value Equity — EIMG; Aristotle Capital Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.91%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.01%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.65%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">EQ/Wellington Energy — EIMG; Wellington Management Company LLP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.19%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.90%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Equitable Conservative Growth MF/ETF Portfolio — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1.10%^</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.03%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.95%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Multimanager Aggressive Equity — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">0.99%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.30%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">^</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This Portfolio’s annual expenses reflect temporary fee reductions. </div></div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">Δ</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">Certain other affiliated Portfolios, as well as unaffiliated Portfolios, may utilize volatility management techniques (including Fund of Fund Portfolios that invest in other Portfolios that utilize volatility management techniques) that differ from the EQ volatility management strategy. Affiliated Portfolios that utilize these volatility management techniques are identified in the chart by a “<div style="font-family: "Times New Roman"; letter-spacing: 0px; top: 0px;display:inline;">Δ</div>”. Any such unaffiliated Portfolio is not identified in the chart. See “Portfolios of the Trusts” for more information regarding volatility management. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">†</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">EQ Managed Volatility Portfolios that include the EQ volatility management strategy as part of their investment objective and/or principal investment strategy, and the EQ/affiliated Fund of Fund Portfolios that invest in Portfolios that use the EQ volatility management strategy, are identified in the chart by a “†“. See “Portfolios of the Trusts” for more information regarding volatility management. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">*</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The Portfolio operates as a “government money market fund.” The Portfolio will invest at least 99.5% of its total assets in U.S. government securities, cash, and/or repurchase agreements that are fully collateralized by U.S. government securities or cash. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">#</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The ATP Portfolio is part of the asset transfer program. You may not directly allocate a contribution to or request a transfer of account value into this investment option. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">Effective on or about June 29, 2026, and subject to shareholder approval, SSGA Funds Management, Inc. will be replaced as a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">sub-adviser</div> to the Portfolio (or an allocated portion thereof) with AllianceBernstein L.P. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Unaffiliated Portfolio Companies: </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:10%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:61%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="border-left: 0.75pt solid rgb(0, 0, 0); border-top: 0.75pt solid rgb(0, 0, 0); border-right: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td style="border-top: 0.75pt solid rgb(0, 0, 0); vertical-align: bottom; padding-bottom: 0.375pt;"> </td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Current<br/>Expenses</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">TYPE</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Company – Investment Adviser; </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">Sub-Adviser(s),</div> as applicable</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 year</div></div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">American Funds Insurance Series® Global Small Capitalization Fund — Capital Research and Management Company</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.33%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.23%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.96%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">American Funds Insurance Series® Managed Risk Asset Allocation Fund — Capital Research and Management Company; Milliman Financial Risk Management LLC</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.67%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.43%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">American Funds Insurance Series® New World Fund® — Capital Research and Management Company</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.07%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">27.93%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.06%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">American Funds Insurance Series® The Bond Fund of America® — Capital Research and Management Company</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.98%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.38%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.11%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">BlackRock Global Allocation V.I. Fund — BlackRock Advisors, LLC; BlackRock International Limited, BlackRock (Singapore) Limited</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.01%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.51%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.51%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.33%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">BlackRock Large Cap Focus Growth V.I. Fund — BlackRock Advisors, LLC</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.02%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.48%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.19%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Fidelity® VIP Mid Cap Portfolio — Fidelity Management and Research Company (FMR)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.80%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.49%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.83%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.31%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Fidelity® VIP Strategic Income Portfolio — Fidelity Management and Research Company (FMR)</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.88%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.58%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.79%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Franklin Allocation VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.82%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.60%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.73%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Franklin Income VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.56%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.66%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.30%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Hartford Disciplined Equity HLS Fund — Hartford Funds Management Company, LLC; Wellington Management Company LLP</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.09%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.75%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.51%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.90%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Invesco V.I. Diversified Dividend Fund — Invesco Advisers, Inc.</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.93%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.44%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.53%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Lord Abbett Bond Debenture Portfolio (VC) — Lord, Abbett & Co. LLC</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.98%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.33%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.10%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.72%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">MFS® Massachusetts Investors Growth Stock Portfolio — Massachusetts Financial Services Company</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.61%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.74%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Nomura VIP Asset Strategy Series — Delaware Management Company; Macquarie Investment Management Global Limited</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.77%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.66%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.07%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.84%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Nomura VIP High Income Series — Delaware Management Company; Nomura Corporate Research and Asset Management Inc.</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.17%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.73%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">PIMCO CommodityRealReturn® Strategy Portfolio — Pacific Investment Management Company LLC</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.29%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">18.85%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.44%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">PIMCO Emerging Markets Bond Portfolio — Pacific Investment Management Company LLC</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.27%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.86%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.34%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.96%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">ProFund VP Biotechnology — ProFund Advisors LLC</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.60%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">34.03%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.50%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Templeton Emerging Markets VIP Fund(1) — Templeton Asset Management Ltd.</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.37%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">46.27%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.46%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Templeton Global Bond VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.75%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.73%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.96%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.15%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">VanEck VIP Global Resources Fund — Van Eck Associates Corporation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.32%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">36.17%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.24%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">^</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This Portfolio’s annual expenses reflect temporary fee reductions. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">This is the variable investment option’s new name. The variable investment option’s former name is Templeton Developing Markets VIP Fund which may continue to be used in certain documents for a period of time after the date of this prospectus. </div></div></td></tr></table> Equity 1290 VT Equity Income Equitable Investment Management Group, LLC (“EIMG”) Barrow, Hanley, Mewhinney & Strauss, LLC d/b/a Barrow Hanley Global Investors 0.0095 0.1304 0.1125 0.0885 Specialty 1290 VT GAMCO Mergers & Acquisitions EIMG GAMCO Asset Management, Inc. 0.0129 0.1591 0.077 0.0538 Equity 1290 VT GAMCO Small Company Value EIMG GAMCO Asset Management, Inc. 0.0105 0.1282 0.1124 0.1077 Fixed Income 1290 VT High Yield Bond EIMG AXA Investment Managers US Inc., Post Advisory Group, LLC 0.0102 0.0754 0.0392 0.0541 Specialty 1290 VT Natural Resources EIMG AllianceBernstein L.P. 0.009 0.2804 0.1606 0.0942 Specialty 1290 VT Real Estate EIMG AllianceBernstein L.P. 0.009 0.0967 0.0269 0.0328 Equity 1290 VT Small Cap Value EIMG BlackRock Investment Management, LLC, Horizon Kinetics Asset Management LLC 0.0123 0.0611 0.1344 0.1119 Asset Allocation EQ/AB Dynamic Moderate Growth EIMG AllianceBernstein L.P. 0.0113 0.1346 0.0631 0.0612 Equity EQ/AB Small Cap Growth EIMG AllianceBernstein L.P. 0.0092 0.0921 0.0343 0.101 Asset Allocation EQ/Aggressive Growth Strategy EIMG 0.0101 0.1217 0.0761 0.0904 Asset Allocation EQ/All Asset Growth Allocation EIMG 0.0125 0.1718 0.0712 0.0828 Equity EQ/American Century Mid Cap Value EIMG American Century Investment Management, Inc. 0.01 0.0872 0.0864 0 Asset Allocation EQ/Balanced Strategy EIMG 0.0097 0.1005 0.0468 0.0608 Equity EQ/Capital Group Research EIMG Capital International, Inc. 0.0095 0.1983 0.138 0.15 Equity EQ/ClearBridge Large Cap Growth ESG EIMG ClearBridge Investments, LLC 0.01 0.0769 0.1047 0.1363 Equity EQ/Common Stock Index EIMG AllianceBernstein L.P. 0.0067 0.163 0.125 0.1354 Asset Allocation EQ/Conservative Growth Strategy EIMG 0.0097 0.0932 0.0376 0.051 Asset Allocation EQ/Conservative Strategy EIMG 0.0095 0.0786 0.0193 0.0312 Fixed Income EQ/Core Bond Index EIMG SSGA Funds Management, Inc. 0.0062 0.0643 0.0035 0.017 Fixed Income EQ/Core Plus Bond EIMG Brandywine Global Investment Management, LLC, Loomis, Sayles & Company, L.P. 0.0093 0.0858 -0.0068 0.0217 Equity EQ/Emerging Markets Equity PLUS EIMG AllianceBernstein L.P., EARNEST Partners, LLC 0.012 0.3346 0.0464 0.0773 Equity EQ/Equity 500 Index EIMG AllianceBernstein L.P. 0.0053 0.1724 0.1379 0.1416 Equity EQ/Fidelity Institutional AM® Large Cap EIMG FIAM LLC 0.0087 0.1834 0.1386 0 Equity EQ/Franklin Rising Dividends EIMG Franklin Advisers, Inc. 0.0087 0.1184 0.095 0 Equity EQ/Global Equity Managed Volatility EIMG BlackRock Investment Management, LLC 0.0108 0.1914 0.0833 0.0947 Equity EQ/Goldman Sachs Mid Cap Value EIMG Goldman Sachs Asset Management L.P. 0.0109 0.0922 0.0966 0 Asset Allocation EQ/Goldman Sachs Moderate Growth Allocation EIMG Goldman Sachs Asset Management L.P. 0.0115 0.1002 0.0502 0.0576 Asset Allocation EQ/Growth Strategy EIMG 0.01 0.1144 0.0661 0.0807 Fixed Income EQ/Intermediate Government Bond EIMG SSGA Funds Management, Inc. 0.0062 0.0554 0.003 0.0115 Equity EQ/International Core Managed Volatility EIMG BlackRock Investment Management, LLC 0.0106 0.2612 0.0752 0.0748 Equity EQ/International Equity Index EIMG AllianceBernstein L.P. 0.0072 0.3153 0.0991 0.0807 Equity EQ/International Value Managed Volatility EIMG BlackRock Investment Management, LLC, Harris Associates LP 0.0104 0.2666 0.0775 0.0677 Equity EQ/Invesco Comstock EIMG Invesco Advisers, Inc. 0.01 0.1693 0.1499 0.1171 Equity EQ/Invesco Global EIMG Invesco Advisers, Inc. 0.011 0.154 0.0695 0.1059 Specialty EQ/Invesco Global Real Assets EIMG Invesco Advisers, Inc. 0.0116 0.1593 0.0711 0 Equity EQ/Janus Enterprise EIMG Janus Henderson Investors US LLC 0.0104 0.0805 0.0706 0.1061 Equity EQ/JPMorgan Growth Stock EIMG J.P. Morgan Investment Management Inc. 0.0096 0.1476 0.0943 0.1408 Equity EQ/JPMorgan Value Opportunities EIMG J.P. Morgan Investment Management Inc. 0.0095 0.154 0.1277 0.1208 Equity EQ/Large Cap Growth Index EIMG AllianceBernstein L.P. 0.0071 0.1774 0.1451 0.1726 Equity EQ/Large Cap Growth Managed Volatility EIMG BlackRock Investment Management, LLC 0.0087 0.1106 0.1164 0.1501 Equity EQ/Large Cap Value Index EIMG AllianceBernstein L.P. 0.0074 0.1504 0.1052 0.0977 Equity EQ/Large Cap Value Managed Volatility EIMG AllianceBernstein L.P. 0.0086 0.1062 0.0969 0.0956 Equity EQ/Lazard Emerging Markets Equity EIMG Lazard Asset Management LLC 0.0135 0.4206 0.1084 0 Equity EQ/Loomis Sayles Growth EIMG Loomis, Sayles & Company, L.P. 0.0103 0.1308 0.1272 0.1587 Equity EQ/MFS International Growth EIMG Massachusetts Financial Services Company d/b/a MFS Investment Management 0.011 0.209 0.069 0.0961 Equity EQ/MFS International Intrinsic Value EIMG Massachusetts Financial Services Company d/b/a MFS Investment Management 0.0115 0.3295 0.0699 0 Equity EQ/MFS Mid Cap Focused Growth EIMG Massachusetts Financial Services Company d/b/a MFS Investment Management 0.011 0.056 0.0509 0 Specialty EQ/MFS Technology EIMG Massachusetts Financial Services Company d/b/a MFS Investment Management 0.011 0.1624 0.1206 0 Specialty EQ/MFS Utilities Series EIMG Massachusetts Financial Services Company d/b/a MFS Investment Management 0.0105 0.1465 0.0733 0 Equity EQ/Mid Cap Index EIMG AllianceBernstein L.P. 0.0064 0.068 0.0842 0.0999 Equity EQ/Mid Cap Value Managed Volatility EIMG BlackRock Investment Management, LLC 0.0097 0.0498 0.0762 0.082 Asset Allocation EQ/Moderate Allocation EIMG 0.0108 0.102 0.0412 0.0577 Asset Allocation EQ/Moderate Growth Strategy EIMG 0.0098 0.1083 0.0567 0.0708 Cash/Cash Equivalent EQ/Money Market EIMG Dreyfus, a division of Mellon Investments Corporation 0.0067 0.0366 0.0279 0.0173 Fixed Income EQ/PIMCO Global Real Return EIMG Pacific Investment Management Company LLC 0.0274 0.0552 -0.009 0.0248 Fixed Income EQ/PIMCO Real Return EIMG Pacific Investment Management Company LLC 0.0222 0.0795 0.0124 0 Fixed Income EQ/PIMCO Total Return ESG EIMG Pacific Investment Management Company LLC 0.0075 0.087 -0.0014 0 Fixed Income EQ/PIMCO Ultra Short Bond EIMG Pacific Investment Management Company LLC 0.008 0.0447 0.0293 0.0232 Equity EQ/Small Company Index EIMG AllianceBernstein L.P. 0.0063 0.1257 0.0616 0.0944 Specialty EQ/T. Rowe Price Health Sciences EIMG T. Rowe Price Associates, Inc. 0.012 0.1921 0.0362 0 Asset Allocation EQ/Ultra Conservative Strategy EIMG 0.009 0.0656 0.0125 0.0208 Equity EQ/Value Equity EIMG Aristotle Capital Management, LLC 0.0091 0.1101 0.0865 0.0847 Specialty EQ/Wellington Energy EIMG Wellington Management Company LLP 0.0119 0.1217 0.179 0 Asset Allocation Equitable Conservative Growth MF/ETF Portfolio EIMG 0.011 0.1203 0.0495 0.0685 Equity Multimanager Aggressive Equity EIMG AllianceBernstein L.P. 0.0099 0.163 0.1147 0.1566 Equity American Funds Insurance Series® Global Small Capitalization Fund Capital Research and Management Company 0.0115 0.1433 0.0023 0.0696 Asset Allocation American Funds Insurance Series® Managed Risk Asset Allocation Fund Capital Research and Management Company Milliman Financial Risk Management LLC 0.009 0.1167 0.0643 0.0717 Equity American Funds Insurance Series® New World Fund® Capital Research and Management Company 0.0107 0.2793 0.0506 0.0898 Fixed Income American Funds Insurance Series® The Bond Fund of America® Capital Research and Management Company 0.0072 0.0698 -0.0038 0.0211 Asset Allocation BlackRock Global Allocation V.I. Fund BlackRock Advisors, LLC BlackRock International Limited, BlackRock (Singapore) Limited 0.0101 0.1951 0.0551 0.0733 Equity BlackRock Large Cap Focus Growth V.I. Fund BlackRock Advisors, LLC 0.0102 0.1148 0.1019 0.1598 Equity Fidelity® VIP Mid Cap Portfolio Fidelity Management and Research Company (FMR) 0.008 0.1149 0.0983 0.1031 Fixed Income Fidelity® VIP Strategic Income Portfolio Fidelity Management and Research Company (FMR) 0.0088 0.0858 0.0279 0.044 Asset Allocation Franklin Allocation VIP Fund Franklin Advisers, Inc. 0.0082 0.126 0.0573 0.0732 Asset Allocation Franklin Income VIP Fund Franklin Advisers, Inc. 0.0072 0.1256 0.0766 0.073 Equity Hartford Disciplined Equity HLS Fund Hartford Funds Management Company, LLC Wellington Management Company LLP 0.0109 0.1375 0.1151 0.129 Equity Invesco V.I. Diversified Dividend Fund Invesco Advisers, Inc. 0.0093 0.1544 0.1053 0.0893 Fixed Income Lord Abbett Bond Debenture Portfolio (VC) Lord, Abbett & Co. LLC 0.0098 0.0833 0.021 0.0472 Equity MFS® Massachusetts Investors Growth Stock Portfolio Massachusetts Financial Services Company 0.0097 0.0961 0.0974 0.1398 Asset Allocation Nomura VIP Asset Strategy Series Delaware Management Company Macquarie Investment Management Global Limited 0.0077 0.1666 0.0707 0.0784 Fixed Income Nomura VIP High Income Series Delaware Management Company Nomura Corporate Research and Asset Management Inc. 0.0097 0.0717 0.0373 0.0556 Specialty PIMCO CommodityRealReturn® Strategy Portfolio Pacific Investment Management Company LLC 0.0329 0.1885 0.1044 0.0642 Specialty PIMCO Emerging Markets Bond Portfolio Pacific Investment Management Company LLC 0.0127 0.1486 0.0234 0.0496 Specialty ProFund VP Biotechnology ProFund Advisors LLC 0.016 0.3403 0.095 0.0741 Equity Templeton Emerging Markets VIP Fund Templeton Asset Management Ltd. 0.0137 0.4627 0.0546 0.104 Fixed Income Templeton Global Bond VIP Fund Franklin Advisers, Inc. 0.0075 0.1573 -0.0096 -0.0015 Specialty VanEck VIP Global Resources Fund Van Eck Associates Corporation 0.0132 0.3617 0.1024 0.0806 <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Protected Benefit Account Restrictions </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Amounts you allocate to the Protected Benefit account variable investment options fund your Guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:49%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:50%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td colspan="3" style="BORDER:0.75pt solid #000000; padding-left:8pt; padding-right:2pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Protected Benefit Account Variable Investment Options</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="padding-bottom:2pt ;BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">EQ/AB Dynamic Moderate Growth</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="padding-bottom:2pt ;BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">EQ/Conservative Strategy</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="padding-bottom:2pt ;BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">EQ/Aggressive Growth Strategy</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="padding-bottom:2pt ;BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">EQ/Growth Strategy</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="padding-bottom:2pt ;BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">EQ/Balanced Strategy</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="padding-bottom:2pt ;BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">EQ/Moderate Growth Strategy</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 1em; text-indent: -1em; font-size: 8pt; font-family: arial; line-height: normal;">EQ/Conservative Growth Strategy</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">EQ/Ultra Conservative Strategy<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1) </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The ATP Portfolio is part of the asset transfer program. You may not directly allocate a contribution to or request a transfer of account value into this investment option. </div></td></tr></table> true true true true true true true true <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Fixed Investment Options </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following is a list of Fixed investment options currently available under the Contract. We may change the features of the Fixed investment options listed below, offer new Fixed investment options, and terminate existing Fixed investment options. We will provide you with written notice before doing so. If you elect a Guaranteed benefit, you may not invest in the Fixed investment options and may only invest in the Portfolios listed in the Protected Benefit account table above. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See “Fixed investment options” in “Purchasing the contract”<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div>in the Prospectus for a description of the Fixed investment options’ features. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:33%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:32%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum Guaranteed Interest Rate</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Guaranteed interest option</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">N/A</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top">1.00%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Account for special dollar cost averaging</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">3 - 12 months</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top">1.00%</td></tr></table> <div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following is a list of Fixed investment options currently available under the Contract. We may change the features of the Fixed investment options listed below, offer new Fixed investment options, and terminate existing Fixed investment options. We will provide you with written notice before doing so. If you elect a Guaranteed benefit, you may not invest in the Fixed investment options and may only invest in the Portfolios listed in the Protected Benefit account table above. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See “Fixed investment options” in “Purchasing the contract”<div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div>in the Prospectus for a description of the Fixed investment options’ features. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:33%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:32%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name</div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Term</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum Guaranteed Interest Rate</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Guaranteed interest option</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">N/A</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top">1.00%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Account for special dollar cost averaging</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">3 - 12 months</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top">1.00%</td></tr></table> Guaranteed interest option 0.01 Account for special dollar cost averaging P12M 0.01 <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:23%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:76%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">FEES AND EXPENSES</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Are There Charges or Adjustments for Early Withdrawals?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> Each series of the contract provides for different withdrawal charge periods and percentages.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div> — If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series B of the contract within 7 years following your last contribution, you will be assessed a withdrawal charge of up to 7% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $7,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div> — If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> of the contract within 9 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div> — If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series L of the contract within 4 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series C</div></div> — No withdrawal charge.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series ADV</div></div> — No withdrawal charge.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about charges for surrenders and early withdrawals see “Withdrawal charge” in “Charges and expenses” in the Prospectus.</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Are There Transaction Charges?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> In addition to withdrawal charges, you may also be charged for other transactions including special requests such as wire transfers, express mail, duplicate contracts, preparing checks, third-party transfers or exchanges; or when you transfer between investment options in excess a certain number.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about transaction charges see “Charges that the Company deducts” in “Charges and expenses” in the Prospectus.</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:23%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:76%"></td></tr></table> <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:23%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:76%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Are There Ongoing Fees and Expenses?</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> Each series of the contract provides for different ongoing fees and expenses.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">The tables below describe the fees and expenses that you may pay <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div>, depending on the investment options and optional benefits you choose. For Series ADV contracts, the fees and expenses in the table below do not reflect any advisory fees paid to financial intermediaries from the account value or other assets of the owner; if such fees were reflected the below fees and charges would be higher. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:62%"></td> <td style="vertical-align:bottom;width:5%"></td> <td style="width:15%"></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:15%"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Minimum</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Maximum</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Base Contract (varies by contract series)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">0.65%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">1.70%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Portfolio Company fees and expenses<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">0.54%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">3.48%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Optional benefits available for an additional charge (for a single optional benefit, if elected)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(3)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">0.35%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">2.00%</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:23%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:76%"></td></tr> <tr style="font-size:1pt"> <td style="height:0.75pt"></td> <td colspan="2" style="height:0.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(1) Expressed as an annual percentage of daily net assets in the variable investment options.</div></div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(2) Expressed as an annual percentage of daily net assets in the Portfolio. This range is for the year ended December 31, 2025 and could change from year to year.</div></div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(3) Expressed as an annual percentage of the applicable benefit base.</div></div></td></tr></table> <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:23%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:76%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.375pt;"></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><br/></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div>, based on current charges. This estimate assumes no credits and that you do not take withdrawals from the contract, <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">which could add withdrawal charges that substantially increase costs.</div></div></div></div><div></div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:47%"></td> <td style="vertical-align:bottom;width:6%"></td> <td style="width:47%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Lowest Annual Cost<br/>$1,128</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Highest Annual Cost<br/>$6,655</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Assumes:</div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Investment of $100,000</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">5% annual appreciation</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Least expensive combination of contract series and Portfolio fees and expenses</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No optional benefits</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No sales charges or advisory fees</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No additional contributions, transfers or withdrawals</div></div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Assumes:</div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Investment of $100,000</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">5% annual appreciation</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Most expensive combination of contract series (Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div>), optional benefits (GMIB and “Greater of” death benefit) and Portfolio fees and expenses</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No sales charges or advisory fees</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No additional contributions, transfers or withdrawals</div></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:23%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:76%"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000;height:3.75pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top">For additional information about ongoing fees and expenses see “Fee Table” in the Prospectus.</td></tr></table> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> Each series of the contract provides for different withdrawal charge periods and percentages.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div> — If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series B of the contract within 7 years following your last contribution, you will be assessed a withdrawal charge of up to 7% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $7,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div> — If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> of the contract within 9 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div> — If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series L of the contract within 4 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment. This loss will be greater if there are taxes, or tax penalties.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series C</div></div> — No withdrawal charge.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series ADV</div></div> — No withdrawal charge.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about charges for surrenders and early withdrawals see “Withdrawal charge” in “Charges and expenses” in the Prospectus.</div> 7 0.07 7000 9 0.08 8000 4 0.08 8000 <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> In addition to withdrawal charges, you may also be charged for other transactions including special requests such as wire transfers, express mail, duplicate contracts, preparing checks, third-party transfers or exchanges; or when you transfer between investment options in excess a certain number.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about transaction charges see “Charges that the Company deducts” in “Charges and expenses” in the Prospectus.</div> <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:23%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:76%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Are There Ongoing Fees and Expenses?</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> Each series of the contract provides for different ongoing fees and expenses.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">The tables below describe the fees and expenses that you may pay <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div>, depending on the investment options and optional benefits you choose. For Series ADV contracts, the fees and expenses in the table below do not reflect any advisory fees paid to financial intermediaries from the account value or other assets of the owner; if such fees were reflected the below fees and charges would be higher. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:62%"></td> <td style="vertical-align:bottom;width:5%"></td> <td style="width:15%"></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:15%"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Annual Fee</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Minimum</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Maximum</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Base Contract (varies by contract series)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">0.65%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">1.70%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Portfolio Company fees and expenses<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">0.54%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">3.48%</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Optional benefits available for an additional charge (for a single optional benefit, if elected)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(3)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">0.35%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="display:inline;">2.00%</div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:23%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:76%"></td></tr> <tr style="font-size:1pt"> <td style="height:0.75pt"></td> <td colspan="2" style="height:0.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(1) Expressed as an annual percentage of daily net assets in the variable investment options.</div></div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(2) Expressed as an annual percentage of daily net assets in the Portfolio. This range is for the year ended December 31, 2025 and could change from year to year.</div></div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; margin-left: 2.25em; text-indent: -2.25em; font-size: 8pt; font-family: arial; line-height: normal;"><div style="display:inline;">(3) Expressed as an annual percentage of the applicable benefit base.</div></div></td></tr></table> 0.0065 0.017 0.0054 0.0348 0.0035 0.02 Expressed as an annual percentage of daily net assets in the variable investment options. Expressed as an annual percentage of daily net assets in the Portfolio. This range is for the year ended December 31, 2025 and could change from year to year. Expressed as an annual percentage of the applicable benefit base. <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:23%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:76%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.375pt;"></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><br/></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay <div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div>, based on current charges. This estimate assumes no credits and that you do not take withdrawals from the contract, <div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">which could add withdrawal charges that substantially increase costs.</div></div></div></div><div></div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:47%"></td> <td style="vertical-align:bottom;width:6%"></td> <td style="width:47%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Lowest Annual Cost<br/>$1,128</div></div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;background-color:#d8d8d8;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Highest Annual Cost<br/>$6,655</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Assumes:</div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Investment of $100,000</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">5% annual appreciation</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Least expensive combination of contract series and Portfolio fees and expenses</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No optional benefits</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No sales charges or advisory fees</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No additional contributions, transfers or withdrawals</div></div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="display:inline;">Assumes:</div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Investment of $100,000</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">5% annual appreciation</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">Most expensive combination of contract series (Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div>), optional benefits (GMIB and “Greater of” death benefit) and Portfolio fees and expenses</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No sales charges or advisory fees</div></div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial"><div style="display:inline;">•</div></div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.405000em; font-family:arial"><div style="display:inline;">No additional contributions, transfers or withdrawals</div></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:23%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:76%"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000;height:3.75pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top">For additional information about ongoing fees and expenses see “Fee Table” in the Prospectus.</td></tr></table> 1128 6655 <table style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:19%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:80%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">RISKS</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Is There a Risk of Loss from Poor Performance?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> The contract is subject to the risk of loss. You could lose some or all of your account value depending on the investment options you choose.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about the risk of loss see “Principal risks of investing in the Contract” in the Prospectus.</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Is this a Short-Term Investment?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">No.</div></div> The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle. A withdrawal charge may apply in certain circumstances and any withdrawals may also be subject to federal and state income taxes and tax penalties.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about the investment profile of the contract see “Fee Table” in the Prospectus.</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">What Are the Risks Associated with the Investment Options?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">An investment in the contract is subject to the risk of poor investment performance and can vary depending on the performance of the variable investment options available under the contract, (e.g., the Portfolios). Each investment option, including the guaranteed interest option, has its own unique risks. You should review the investment options available under the contract before making an investment decision.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about the risks associated with investment options see “Variable investment options”, “Fixed investment options” and “Portfolios of the Trusts” in “Purchasing the Contract” in the Prospectus. See also Appendix “Investment options available under the contract” in the Prospectus.</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">What Are the Risks Related to the Insurance Company?</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">An investment in the contract is subject to the risks related to the Company. The Company is solely responsible to the contract owner for the contract’s account value and the Guaranteed benefits. The general obligations, including the fixed investment options, and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. An owner should look solely to our financial strength for our claims-paying ability. More information about the Company, including our financial strength ratings, may be obtained at https://equitable.com/about-us/financial-strength-ratings.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about insurance company risks see “About the general account” in “More information” in the Prospectus.</div></td></tr></table> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> The contract is subject to the risk of loss. You could lose some or all of your account value depending on the investment options you choose.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about the risk of loss see “Principal risks of investing in the Contract” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">No.</div></div> The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle. A withdrawal charge may apply in certain circumstances and any withdrawals may also be subject to federal and state income taxes and tax penalties.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about the investment profile of the contract see “Fee Table” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">An investment in the contract is subject to the risk of poor investment performance and can vary depending on the performance of the variable investment options available under the contract, (e.g., the Portfolios). Each investment option, including the guaranteed interest option, has its own unique risks. You should review the investment options available under the contract before making an investment decision.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about the risks associated with investment options see “Variable investment options”, “Fixed investment options” and “Portfolios of the Trusts” in “Purchasing the Contract” in the Prospectus. See also Appendix “Investment options available under the contract” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">An investment in the contract is subject to the risks related to the Company. The Company is solely responsible to the contract owner for the contract’s account value and the Guaranteed benefits. The general obligations, including the fixed investment options, and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. An owner should look solely to our financial strength for our claims-paying ability. More information about the Company, including our financial strength ratings, may be obtained at https://equitable.com/about-us/financial-strength-ratings.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about insurance company risks see “About the general account” in “More information” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> We may, at any time, exercise our rights to limit or terminate your contributions, allocations and transfers to any of the variable investment options (including the Protected Benefit account variable investment options) and to limit the number of variable investment options which you may select. Such rights include, among others, removing or substituting the Portfolios, combining any two or more variable investment options and transferring account value from any variable investment option to another variable investment option.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">Credits under Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts may be recaptured upon free look, annuitization, and death.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">There are restrictions regarding investment options if Guaranteed benefits are elected, limits on contributions and transfers into and out of the guaranteed interest option, and restrictions or limitations with Special DCA programs. See “Allocating your contributions” in “Purchasing the Contract” and “Transferring your account value” in “Transferring your money among investment options” in the Prospectus for more information.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">For more information see “About The Separate Account” in “More information” in the Prospectus.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for any transfers in excess of 12 per contract year. We will provide you with advance notice if we decide to assess the transfer charge, which will never exceed $35 per transfer.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">Contributions and transfers into and out of the guaranteed interest option are limited.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about restrictions on the investment options, see “Transfer charge” in “Charges and expenses”, “Portfolios of the Trusts” and “Guaranteed Interest Option” in “Purchasing the Contract” and “Transferring your money among investment options” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div> At any time, we have the right to limit or terminate your contributions, allocations and transfers to any of the variable investment options. If you have one or more Guaranteed benefits (which are also known as optional benefits) and we exercise our right to discontinue the acceptance of, and/or place additional limitations on, contributions to the contract and/or contributions and/ or transfers into the Protected Benefit account variable investment options, you may no longer be able to fund your Guaranteed benefit(s).</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">Investment options are limited if Guaranteed benefits are elected. Withdrawals, including withdrawals to pay advisory fees, that exceed limits specified by the terms of an optional benefit may affect the availability of the benefits by reducing the benefit by an amount greater than the value withdrawn, and/or could terminate the benefit.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">If you purchase a Series ADV contract and you elect to pay the advisory fee from your account value, then this deduction will be treated as a withdrawal and will reduce the standard death benefit and Guaranteed benefits, and may also be subject to federal and state income taxes and a 10% federal penalty tax. See “Fee based programs” in “Purchasing the contract” in the Prospectus.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">The standard and optional death benefits offered with the contract are available only at contract purchase. Withdrawals could significantly reduce or terminate the death benefit.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about the optional benefits see “How you can purchase and contribute to your contract” in “Purchasing the Contract” in the Prospectus. See also “Death Benefits” and “Living Benefits” in “Benefits available under the contract” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">You should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the contract. There is no additional tax benefit to you if the contract is purchased through a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">tax-qualified</div> plan or individual retirement account (IRA). Withdrawals will be subject to ordinary income tax and may be subject to tax penalties. Generally, you are not taxed until you make a withdrawal from the contract.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about tax implications see “Tax information” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">Some financial professionals may receive compensation for selling the contract to you, both in the form of commissions or in the form of contribution-based compensation. Financial professionals may also receive additional compensation for enhanced marketing opportunities and other services (commonly referred to as “marketing allowances”). This conflict of interest may influence the financial professional to recommend this contract over another investment.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about compensation to financial professionals see “Distribution of the contracts” in “More information” in the Prospectus.</div> <div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: arial; line-height: normal;">Some financial professionals may have a financial incentive to offer a new contract in place of the one you already own. You should only exchange your contract if you determine, after comparing the features, fees, and risks of both contracts, as well as any fees or penalties to terminate your existing contract, that it is preferable to purchase the new contract rather than continue to own your existing contract.</div><div style="margin-top: 0pt; margin-bottom: -6pt; font-size: 4pt; line-height: normal;"> </div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: arial; line-height: normal;">For additional information about exchanges see “Charge for third-party transfer or exchange” in “Charges and expenses” in the Prospectus.</div> <div id="tx65494_335" style="margin-top:0pt; margin-bottom:0pt; font-size:17.5pt; font-family:arial">Fee Table </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:30pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">The following tables describe the fees and expenses that you will pay when buying, owning, surrendering or making withdrawals from an investment option or from the contract. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected. The fees and expenses do not reflect any advisory fees paid to a financial intermediary from the contract or other assets of the owner and if such charges were reflected such fees and expenses would be higher. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">The first table describes fees and expenses that you will pay at the time that you buy the contract, surrender or make withdrawals from an investment option or the contract, or transfer account value between investment options. Charges designed to approximate certain taxes that may be imposed on us, such as premium taxes in your state, may also apply. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:36%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:4%"></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="11" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Transaction Expenses</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.5px;"></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series C</div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series ADV</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Sales Load Imposed on Purchases (as a percentage of purchase payments)</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Withdrawal Charge (as a percentage of contributions withdrawn)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Transfer Fee<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Third Party Transfer or Exchange Fee<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(3)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Special Service Charges<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates if you make a withdrawal, surrender your contract to receive its cash value, or, if offered, surrender your contract to apply your cash value to a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-life</div> contingent annuity payment option. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:27%"></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000;vertical-align:top"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="19" style="BORDER-TOP:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">charge as a % of contribution for each year following contribution</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10+</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series B</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">4%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Series L</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">8%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">7%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">6%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">5%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for transfers in excess of 12 transfers per contract year. We will charge no more than $35 for each transfer at the time each transfer is processed. See “Transfer charge” under “Charges that the Company deducts” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Currently, we do not charge for third party transfers or exchanges. However, we reserve the right to discontinue this waiver at any time, with or without notice. The maximum third party transfer or exchange fee is $125. The current charge (which, as described above is waived) is $65. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Special service charges include (1) express mail charge; (2) wire transfer charge; (3) duplicate contract charge; and (4) check preparation charge. The current maximum charge for each service is $90. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. </div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The next table describes the fees and expenses that you will pay </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> during the time that you own the contract (not including Portfolio fees and expenses). If you choose to purchase an optional benefit, you will pay additional charges, as shown below.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Annual Contract Expenses</div></td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0em; text-indent: 0em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;"> </div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.5px;"></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> <td style="white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div></td> <td style="white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series C</div></div></td> <td style="white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series ADV</div></div></td> <td style="white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Annual Administrative Charge<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Base Contract Expenses (as a percentage of daily net assets in the variable investment options)</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.30%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.55%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.65%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.70%*</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0.65%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;">Optional Benefits Expenses</div> (as a percentage of the benefit base)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)(3)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Guaranteed minimum death benefit charges</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">Return of Principal death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top">No<br/>additional<br/>charge</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> <br/><br/></td> <td style="vertical-align:top">No<br/>additional<br/>charge</td> <td style="white-space:nowrap;vertical-align:top"> <br/> <br/> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> <br/><br/></td> <td style="vertical-align:top">No<br/>additional<br/>charge</td> <td style="white-space:nowrap;vertical-align:top"> <br/> <br/> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> <br/><br/></td> <td style="vertical-align:top">No<br/>additional<br/>charge</td> <td style="white-space:nowrap;vertical-align:top"> <br/> <br/> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> <br/><br/></td> <td style="vertical-align:top">No<br/>additional<br/>charge</td> <td style="white-space:nowrap;vertical-align:top"> <br/> <br/> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">Highest Anniversary Value death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top">0.35%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">0.35%</td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">0.35%</td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">0.35%</td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">0.35%</td> <td style="white-space:nowrap;vertical-align:top"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">“Greater of” death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="white-space:nowrap;vertical-align:top"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guaranteed minimum income benefit charge</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The annual administrative charge is deducted from your account value on each contract date anniversary. If the contract is surrendered or annuitized or a death benefit is paid on any date other than the contract date anniversary, we will deduct a pro rata portion of the administrative charge for that year. If your account value on a contract date anniversary is $50,000 or more there is no charge. During the first two contract years this charge, if applicable, is equal to the lesser of $30 or 2% of your Total account value. Thereafter, the charge, if applicable, is $30 for each contract year. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The benefit base is not an account value or cash value. Your initial benefit base is equal to your initial contribution or transfer to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for transfers to the Protected Benefit account variable investment options. For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div> contracts, your initial benefit base does not include the credit. Subsequent adjustments to the applicable benefit base and the investment performance of the Protected Benefit account may result in a benefit base that is significantly different from your total contributions or future transfers to, or account value in, the Protected Benefit account. See “Guaranteed minimum death benefits” and “Guaranteed minimum income benefit” in “Benefits available under the contract”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Deducted annually on each contract date anniversary for which the benefit is in effect. If the contract is surrendered or annuitized, or a death benefit is paid, or the benefit is dropped (if applicable), on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.05%. We reserve the right to increase or decrease this charge at any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” and “Greater of death benefit” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(5)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.05% of the GMIB benefit base in effect on each contract date anniversary. If you have this benefit, but do not fund it until after your contract date anniversary, we will deduct the full charge on the contract date anniversary following the date on which you fund the benefit. We reserve the right to increase the charge for this benefit up to a maximum of 2.00%. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">*</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">We reduce the separate account charge for Series C contracts sold through Equitable Advisors in connection with the exchange of certain other variable annuity contracts issued by the Company. For those contracts, the base contract expense is 1.20%. </div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> </div></div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">The next item shows the minimum and maximum total operating expenses charged by the underlying Portfolios that you may pay periodically during the time that you own the contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of Portfolios available under the contract, including their annual expenses, may be found at the back of this document. See Appendix “Investment options available under the contract.”</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="5" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.40em; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Annual Portfolio Expenses</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="display:inline;">Minimum</div></td> <td style="vertical-align:bottom"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="display:inline;">Maximum</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="display:inline;">Annual Portfolio Expenses prior to Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space:nowrap;display:inline;">12b-1</div> fees, service fees, and other expenses)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(*)</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom;text-align:center"><div style="display:inline;">0.54%</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom;text-align:center"><div style="display:inline;">3.48%</div></td></tr> <tr style="font-size:1pt"> <td style="height:9.75pt"></td> <td colspan="2" style="height:9.75pt"></td> <td colspan="2" style="height:9.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Annual Portfolio Expenses after Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space:nowrap;display:inline;">12b-1</div> fees, service fees, and other expenses)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(*)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;">0.53%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;">3.29%</div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(*)</div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left"><div style="display:inline;">“Annual Portfolio Expenses” are based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025. Pursuant to a contract, Equitable Investment Management Group, LLC has agreed to make payments or waive its management, administrative and other fees to limit the expenses of certain affiliated Portfolios through April 30, 2027 (“Expense Limitation Arrangement”) (unless the Trust’s Board of Trustees consents to an earlier revision or termination of this agreement). The Expense Limitation Arrangement may be terminated by Equitable Investment Management Group, LLC at any time after April 30, 2027. The Expense Limitation Arrangement does not apply to unaffiliated Portfolios. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Examples </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">These Examples are intended to help you compare the cost of investing in the variable investment options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">These Examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">These Examples do not reflect any advisory fees paid to a financial intermediary from the contract or other assets of the owner and if such charges were reflected the costs would be higher.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">These Examples assume that you invest $100,000 in the variable investment options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Portfolio expenses, as well as the “Greater of” death benefit and GMIB (both at their maximum charge).</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:41%"></td> <td style="vertical-align:bottom;width:4%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="font-weight:bold;display:inline;">If you surrender your contract or<br/>annuitize (under a non-life option) at<br/>the end of the applicable time period</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="font-weight:bold;display:inline;">If you do not surrender your contract</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">1 year</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">3 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">5 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">10 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">1 year</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">3 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">5 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">10 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:arial">SeriesB</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">13,872</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">27,526</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">42,519</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">84,529</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6,872</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">21,526</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">37,519</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">84,529</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:arial">SeriesL</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">15,239</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">28,574</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">39,165</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,214</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,239</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">22,574</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">39,165</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,214</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:arial">SeriesCP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">15,218</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">29,534</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">44,139</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,391</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,218</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">22,534</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">39,139</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,391</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:arial">SeriesC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,292</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">22,723</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">39,398</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,589</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,292</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">22,723</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">39,398</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,589</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:arial">SeriesADV</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6,189</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">19,558</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">34,391</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">79,240</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6,189</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">19,558</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">34,391</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">79,240</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">The following tables describe the fees and expenses that you will pay when buying, owning, surrendering or making withdrawals from an investment option or from the contract. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected. The fees and expenses do not reflect any advisory fees paid to a financial intermediary from the contract or other assets of the owner and if such charges were reflected such fees and expenses would be higher. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">The first table describes fees and expenses that you will pay at the time that you buy the contract, surrender or make withdrawals from an investment option or the contract, or transfer account value between investment options. Charges designed to approximate certain taxes that may be imposed on us, such as premium taxes in your state, may also apply. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:36%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:4%"></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:3%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="11" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Transaction Expenses</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.5px;"></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series C</div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series ADV</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Sales Load Imposed on Purchases (as a percentage of purchase payments)</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Withdrawal Charge (as a percentage of contributions withdrawn)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">None</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Transfer Fee<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$35</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Third Party Transfer or Exchange Fee<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(3)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$125</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Special Service Charges<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$90</td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates if you make a withdrawal, surrender your contract to receive its cash value, or, if offered, surrender your contract to apply your cash value to a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-life</div> contingent annuity payment option. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:27%"></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000;vertical-align:top"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="19" style="BORDER-TOP:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">charge as a % of contribution for each year following contribution</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10+</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series B</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">4%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Series L</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">8%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">7%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">6%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">5%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for transfers in excess of 12 transfers per contract year. We will charge no more than $35 for each transfer at the time each transfer is processed. See “Transfer charge” under “Charges that the Company deducts” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Currently, we do not charge for third party transfers or exchanges. However, we reserve the right to discontinue this waiver at any time, with or without notice. The maximum third party transfer or exchange fee is $125. The current charge (which, as described above is waived) is $65. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Special service charges include (1) express mail charge; (2) wire transfer charge; (3) duplicate contract charge; and (4) check preparation charge. The current maximum charge for each service is $90. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. </div></td></tr></table> 0 0 0 0 0 0.07 0.08 0.08 0 0 35 35 35 35 35 125 125 125 125 125 90 90 90 90 90 <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;"><div style="display:inline;">The charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates if you make a withdrawal, surrender your contract to receive its cash value, or, if offered, surrender your contract to apply your cash value to a <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">non-life</div> contingent annuity payment option. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:27%"></td> <td style="vertical-align:bottom;width:3%"></td> <td style="width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000;vertical-align:top"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;display:inline;"> </div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="19" style="BORDER-TOP:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">charge as a % of contribution for each year following contribution</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">2</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">3</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">4</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">7</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">8</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">9</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10+</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series B</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="vertical-align:top">Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">8%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">7%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">6%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">5%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">4%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">3%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">2%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Series L</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">8%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">7%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">6%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">5%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">0%</td></tr></table> Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for transfers in excess of 12 transfers per contract year. We will charge no more than $35 for each transfer at the time each transfer is processed. See “Transfer charge” under “Charges that the Company deducts” in “Charges and expenses”. Currently, we do not charge for third party transfers or exchanges. However, we reserve the right to discontinue this waiver at any time, with or without notice. The maximum third party transfer or exchange fee is $125. The current charge (which, as described above is waived) is $65. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. Special service charges include (1) express mail charge; (2) wire transfer charge; (3) duplicate contract charge; and (4) check preparation charge. The current maximum charge for each service is $90. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The next table describes the fees and expenses that you will pay </div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> during the time that you own the contract (not including Portfolio fees and expenses). If you choose to purchase an optional benefit, you will pay additional charges, as shown below.</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0.4em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;">Annual Contract Expenses</div></td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0em; text-indent: 0em; font-size: 10pt; font-family: arial; font-weight: bold; line-height: normal;"> </div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align: top; padding-bottom: 0.5px;"></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series B</div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series CP</div></div><div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div></td> <td style="white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"></div><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series L</div></div></td> <td style="white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series C</div></div></td> <td style="white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="vertical-align: bottom; padding-bottom: 0.5px;"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Series ADV</div></div></td> <td style="white-space: nowrap; vertical-align: bottom; padding-bottom: 0.5px;"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Annual Administrative Charge<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">$30<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Base Contract Expenses (as a percentage of daily net assets in the variable investment options)</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.30%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.55%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.65%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">1.70%*</td> <td style="white-space:nowrap;vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom">0.65%</td> <td style="white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;">Optional Benefits Expenses</div> (as a percentage of the benefit base)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)(3)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td> <td style="vertical-align:bottom"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top">Guaranteed minimum death benefit charges</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td> <td style="vertical-align:top"></td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">Return of Principal death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top">No<br/>additional<br/>charge</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> <br/><br/></td> <td style="vertical-align:top">No<br/>additional<br/>charge</td> <td style="white-space:nowrap;vertical-align:top"> <br/> <br/> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> <br/><br/></td> <td style="vertical-align:top">No<br/>additional<br/>charge</td> <td style="white-space:nowrap;vertical-align:top"> <br/> <br/> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> <br/><br/></td> <td style="vertical-align:top">No<br/>additional<br/>charge</td> <td style="white-space:nowrap;vertical-align:top"> <br/> <br/> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> <br/><br/></td> <td style="vertical-align:top">No<br/>additional<br/>charge</td> <td style="white-space:nowrap;vertical-align:top"> <br/> <br/> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">Highest Anniversary Value death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top">0.35%</td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">0.35%</td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">0.35%</td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">0.35%</td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">0.35%</td> <td style="white-space:nowrap;vertical-align:top"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 2em; font-size: 10pt; font-family: arial; line-height: normal;">“Greater of” death benefit</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="white-space:nowrap;vertical-align:top"> </td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:top"> </td> <td style="vertical-align:top">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(4)</div></td> <td style="white-space:nowrap;vertical-align:top"> </td></tr> <tr style="font-size:1pt"> <td style="height:3.75pt"></td> <td colspan="2" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td> <td colspan="4" style="height:3.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guaranteed minimum income benefit charge</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(5)</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The annual administrative charge is deducted from your account value on each contract date anniversary. If the contract is surrendered or annuitized or a death benefit is paid on any date other than the contract date anniversary, we will deduct a pro rata portion of the administrative charge for that year. If your account value on a contract date anniversary is $50,000 or more there is no charge. During the first two contract years this charge, if applicable, is equal to the lesser of $30 or 2% of your Total account value. Thereafter, the charge, if applicable, is $30 for each contract year. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The benefit base is not an account value or cash value. Your initial benefit base is equal to your initial contribution or transfer to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for transfers to the Protected Benefit account variable investment options. For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div> contracts, your initial benefit base does not include the credit. Subsequent adjustments to the applicable benefit base and the investment performance of the Protected Benefit account may result in a benefit base that is significantly different from your total contributions or future transfers to, or account value in, the Protected Benefit account. See “Guaranteed minimum death benefits” and “Guaranteed minimum income benefit” in “Benefits available under the contract”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Deducted annually on each contract date anniversary for which the benefit is in effect. If the contract is surrendered or annuitized, or a death benefit is paid, or the benefit is dropped (if applicable), on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.05%. We reserve the right to increase or decrease this charge at any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” and “Greater of death benefit” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(5)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.05% of the GMIB benefit base in effect on each contract date anniversary. If you have this benefit, but do not fund it until after your contract date anniversary, we will deduct the full charge on the contract date anniversary following the date on which you fund the benefit. We reserve the right to increase the charge for this benefit up to a maximum of 2.00%. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">*</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">We reduce the separate account charge for Series C contracts sold through Equitable Advisors in connection with the exchange of certain other variable annuity contracts issued by the Company. For those contracts, the base contract expense is 1.20%. </div></td></tr></table> 30 30 30 30 30 0.013 0.0155 0.0165 0.017 0.0065 0 0 0 0 0 0.0035 0.0035 0.0035 0.0035 0.0035 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 The annual administrative charge is deducted from your account value on each contract date anniversary. If the contract is surrendered or annuitized or a death benefit is paid on any date other than the contract date anniversary, we will deduct a pro rata portion of the administrative charge for that year. If your account value on a contract date anniversary is $50,000 or more there is no charge. During the first two contract years this charge, if applicable, is equal to the lesser of $30 or 2% of your Total account value. Thereafter, the charge, if applicable, is $30 for each contract year. <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The benefit base is not an account value or cash value. Your initial benefit base is equal to your initial contribution or transfer to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for transfers to the Protected Benefit account variable investment options. For Series CP<div style="font-family: ARIAL; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div> contracts, your initial benefit base does not include the credit. Subsequent adjustments to the applicable benefit base and the investment performance of the Protected Benefit account may result in a benefit base that is significantly different from your total contributions or future transfers to, or account value in, the Protected Benefit account. See “Guaranteed minimum death benefits” and “Guaranteed minimum income benefit” in “Benefits available under the contract”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(3)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">Deducted annually on each contract date anniversary for which the benefit is in effect. If the contract is surrendered or annuitized, or a death benefit is paid, or the benefit is dropped (if applicable), on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(4)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.05%. We reserve the right to increase or decrease this charge at any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” and “Greater of death benefit” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(5)</td> <td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 8pt; font-family: arial; text-align: left; line-height: normal;">The current charge is equal to 1.05% of the GMIB benefit base in effect on each contract date anniversary. If you have this benefit, but do not fund it until after your contract date anniversary, we will deduct the full charge on the contract date anniversary following the date on which you fund the benefit. We reserve the right to increase the charge for this benefit up to a maximum of 2.00%. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” in “Charges and expenses”. </div></td></tr></table> We reduce the separate account charge for Series C contracts sold through Equitable Advisors in connection with the exchange of certain other variable annuity contracts issued by the Company. For those contracts, the base contract expense is 1.20%. <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">The next item shows the minimum and maximum total operating expenses charged by the underlying Portfolios that you may pay periodically during the time that you own the contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of Portfolios available under the contract, including their annual expenses, may be found at the back of this document. See Appendix “Investment options available under the contract.”</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#d8d8d8"> <td colspan="5" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.40em; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Annual Portfolio Expenses</div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"></td> <td style="vertical-align:bottom"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="display:inline;">Minimum</div></td> <td style="vertical-align:bottom"> </td> <td style="border-bottom:1.00px solid #000000;vertical-align:bottom"><div style="display:inline;">Maximum</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="vertical-align:top"><div style="display:inline;">Annual Portfolio Expenses prior to Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space:nowrap;display:inline;">12b-1</div> fees, service fees, and other expenses)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(*)</div></div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom;text-align:center"><div style="display:inline;">0.54%</div></td> <td style="vertical-align:bottom"> </td> <td style="vertical-align:bottom;text-align:center"><div style="display:inline;">3.48%</div></td></tr> <tr style="font-size:1pt"> <td style="height:9.75pt"></td> <td colspan="2" style="height:9.75pt"></td> <td colspan="2" style="height:9.75pt"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="display:inline;">Annual Portfolio Expenses after Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space:nowrap;display:inline;">12b-1</div> fees, service fees, and other expenses)<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(*)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;">0.53%</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;">3.29%</div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(*)</div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left"><div style="display:inline;">“Annual Portfolio Expenses” are based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025. Pursuant to a contract, Equitable Investment Management Group, LLC has agreed to make payments or waive its management, administrative and other fees to limit the expenses of certain affiliated Portfolios through April 30, 2027 (“Expense Limitation Arrangement”) (unless the Trust’s Board of Trustees consents to an earlier revision or termination of this agreement). The Expense Limitation Arrangement may be terminated by Equitable Investment Management Group, LLC at any time after April 30, 2027. The Expense Limitation Arrangement does not apply to unaffiliated Portfolios. </div></div></td></tr></table> Annual Portfolio Expenses prior to Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space:nowrap;display:inline;">12b-1</div> fees, service fees, and other expenses) 0.0054 0.0348 Annual Portfolio Expenses after Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees, <div style="white-space:nowrap;display:inline;">12b-1</div> fees, service fees, and other expenses) 0.0053 0.0329 “Annual Portfolio Expenses” are based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025. Pursuant to a contract, Equitable Investment Management Group, LLC has agreed to make payments or waive its management, administrative and other fees to limit the expenses of certain affiliated Portfolios through April 30, 2027 (“Expense Limitation Arrangement”) (unless the Trust’s Board of Trustees consents to an earlier revision or termination of this agreement). The Expense Limitation Arrangement may be terminated by Equitable Investment Management Group, LLC at any time after April 30, 2027. The Expense Limitation Arrangement does not apply to unaffiliated Portfolios. <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Examples </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">These Examples are intended to help you compare the cost of investing in the variable investment options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">These Examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">These Examples do not reflect any advisory fees paid to a financial intermediary from the contract or other assets of the owner and if such charges were reflected the costs would be higher.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">These Examples assume that you invest $100,000 in the variable investment options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Portfolio expenses, as well as the “Greater of” death benefit and GMIB (both at their maximum charge).</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:41%"></td> <td style="vertical-align:bottom;width:4%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="font-weight:bold;display:inline;">If you surrender your contract or<br/>annuitize (under a non-life option) at<br/>the end of the applicable time period</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="font-weight:bold;display:inline;">If you do not surrender your contract</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">1 year</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">3 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">5 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">10 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">1 year</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">3 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">5 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">10 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:arial">SeriesB</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">13,872</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">27,526</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">42,519</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">84,529</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6,872</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">21,526</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">37,519</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">84,529</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:arial">SeriesL</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">15,239</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">28,574</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">39,165</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,214</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,239</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">22,574</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">39,165</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,214</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:arial">SeriesCP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">15,218</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">29,534</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">44,139</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,391</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,218</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">22,534</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">39,139</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,391</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:arial">SeriesC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,292</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">22,723</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">39,398</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,589</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,292</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">22,723</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">39,398</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,589</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:arial">SeriesADV</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6,189</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">19,558</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">34,391</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">79,240</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6,189</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">19,558</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">34,391</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">79,240</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Examples </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">These Examples are intended to help you compare the cost of investing in the variable investment options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">These Examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">These Examples do not reflect any advisory fees paid to a financial intermediary from the contract or other assets of the owner and if such charges were reflected the costs would be higher.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">These Examples assume that you invest $100,000 in the variable investment options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Portfolio expenses, as well as the “Greater of” death benefit and GMIB (both at their maximum charge).</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:41%"></td> <td style="vertical-align:bottom;width:4%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="font-weight:bold;display:inline;">If you surrender your contract or<br/>annuitize (under a non-life option) at<br/>the end of the applicable time period</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="font-weight:bold;display:inline;">If you do not surrender your contract</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">1 year</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">3 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">5 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">10 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">1 year</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">3 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">5 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">10 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:arial">SeriesB</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">13,872</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">27,526</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">42,519</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">84,529</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6,872</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">21,526</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">37,519</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">84,529</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:arial">SeriesL</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">15,239</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">28,574</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">39,165</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,214</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,239</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">22,574</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">39,165</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,214</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:arial">SeriesCP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">15,218</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">29,534</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">44,139</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,391</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,218</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">22,534</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">39,139</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,391</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:arial">SeriesC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,292</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">22,723</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">39,398</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,589</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,292</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">22,723</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">39,398</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,589</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:arial">SeriesADV</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6,189</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">19,558</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">34,391</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">79,240</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6,189</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">19,558</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">34,391</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">79,240</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Examples </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">These Examples are intended to help you compare the cost of investing in the variable investment options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">These Examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">These Examples do not reflect any advisory fees paid to a financial intermediary from the contract or other assets of the owner and if such charges were reflected the costs would be higher.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">These Examples assume that you invest $100,000 in the variable investment options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Portfolio expenses, as well as the “Greater of” death benefit and GMIB (both at their maximum charge).</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:41%"></td> <td style="vertical-align:bottom;width:4%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:3%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="font-weight:bold;display:inline;">If you surrender your contract or<br/>annuitize (under a non-life option) at<br/>the end of the applicable time period</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="14" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"><div style="font-weight:bold;display:inline;">If you do not surrender your contract</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">1 year</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">3 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">5 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">10 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">1 year</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">3 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">5 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">10 years</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:arial">SeriesB</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">13,872</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">27,526</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">42,519</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">84,529</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6,872</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">21,526</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">37,519</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">84,529</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:arial">SeriesL</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">15,239</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">28,574</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">39,165</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,214</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,239</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">22,574</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">39,165</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,214</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:arial">SeriesCP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">15,218</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">29,534</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">44,139</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,391</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,218</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">22,534</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">39,139</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,391</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:arial">SeriesC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,292</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">22,723</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">39,398</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,589</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">7,292</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">22,723</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">39,398</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">87,589</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:arial">SeriesADV</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6,189</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">19,558</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">34,391</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">79,240</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">6,189</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">19,558</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">34,391</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">$</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right">79,240</td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td></tr></table> 13872 13872 27526 27526 42519 42519 84529 84529 6872 21526 37519 84529 15239 15239 28574 28574 39165 39165 87214 87214 7239 22574 39165 87214 15218 15218 29534 29534 44139 44139 87391 87391 7218 22534 39139 87391 7292 7292 22723 22723 39398 39398 87589 87589 7292 22723 39398 87589 6189 6189 19558 19558 34391 34391 79240 79240 6189 19558 34391 79240 <div id="tx65494_200" style="margin-top:0pt; margin-bottom:0pt; font-size:17.5pt; font-family:arial"><div style="font-weight:bold;display:inline;">2.</div> Benefits Available Under the Contract </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:42pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following tables summarize important information about the benefits available under the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Death Benefits</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These death benefits are available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:11%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td> <td style="vertical-align:bottom"></td> <td style="width:7%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td style="width:32%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Name of Benefit</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Purpose</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Standard/</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Optional</div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Annual Fee</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Brief Description of Restrictions/Limitations</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Max</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Current</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Return of Principal Death Benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees beneficiaries will receive a benefit at least equal to your contributions less adjusted withdrawals.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Standard</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Additional<br/> <div style="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:arial;text-align:center">Charge</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Withdrawals, including the withdrawal of advisory fees, could significantly reduce or terminate benefit</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Highest Anniversary Value Death Benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Locks in highest adjusted anniversary account value as minimum death benefit.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">0.35%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Withdrawals, including the withdrawal of advisory fees, could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit or the “Greater of” Death Benefit</div></div></div></td></tr> <tr style="font-size:1pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; padding-left:8pt;height:1.5pt"> </td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="height:1.5pt"></td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">“Greater of” Death Benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees the beneficiaries will receive at least the greater of the <div style="white-space:nowrap;display:inline;">Roll-up</div> benefit base and the Highest Anniversary Value benefit base.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">1.05%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Excess withdrawals, including the withdrawal of advisory fees, could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Subject to restrictions on investment options</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit or the Highest Anniversary Value Death Benefit</div></div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Expressed as an annual percentage of the benefit base. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Living Benefit</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">This living benefit is available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:11%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td> <td style="vertical-align:bottom"></td> <td style="width:7%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:32%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td rowspan="2" style="BORDER:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Name of Benefit</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Purpose</div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Standard/</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Optional</div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Annual Fee</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Brief Description of Restrictions/Limitations</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Max</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Current</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Guaranteed minimum income benefit (GMIB)</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees a minimum annuitization value to provide lifetime retirement income.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Standard</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">1.05%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Excess withdrawals, including the withdrawal of advisory fees, could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Subject to restrictions on investment options</div></div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Expressed as an annual percentage of the benefit base. </div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;">31 </div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Other Benefits</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These other benefits are available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:11%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:37%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:7%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:35%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Name of Benefit</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Purpose</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Standard/</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Optional</div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Annual Fee</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Brief Description of Restrictions/Limitations</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Max</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Current</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:arial">Rebalancing Option I<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1) </div>and Option II<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Periodically rebalance to your desired asset mix.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Charge</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Not generally available with DCA</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Account value in the Protected Benefit account cannot be rebalanced</div></div></div></td></tr> <tr style="font-size:1pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; padding-left:8pt;height:1.5pt"> </td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="4" style="height:1.5pt"></td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:arial">Dollar Cost Averaging (special DCA, general DCA, and Investment Simplifier)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Transfer account value to selected investment options on a regular basis to potentially reduce the impact of market volatility.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Charge</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Not generally available with Rebalancing</div></div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Option I allows you to rebalance your Investment account value among the Investment account variable investment options. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Option II allows you to rebalance your Investment account value among the Investment account variable investment options and the guaranteed interest option. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_201" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Death Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">About Death Benefits </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx65494_19" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Death benefit </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For the purposes of determining the death benefit under your Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract, we treat your Investment account and any Guaranteed minimum death benefit funded by your Protected Benefit account differently. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The death benefit in connection with your Investment account is equal to your Investment account value as of the date we receive satisfactory proof of death, any required instructions for the method of payment, and any required information and forms necessary to effect payment. The death benefit payable in connection with your Protected Benefit account will be based on the greater of (i) your Protected Benefit account value, and (ii) the benefit base of your Guaranteed minimum death benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The total death benefit under your Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract will depend on your values in either one or both sides of the contract. If you selected a Guaranteed minimum death benefit but never funded your Protected Benefit account, your death benefit will be based on your Investment account value only. Likewise, if you funded your Guaranteed minimum death benefit through allocations to the Protected Benefit account and had no Investment account value, your death benefit would be based strictly on the Guaranteed minimum death benefit you selected. Also, it is possible that upon your death, you have value in both your Investment account and a Guaranteed minimum death benefit that has been funded through allocations to the Protected Benefit account. In that case, your beneficiaries would receive the Investment account value, plus the value of your Guaranteed minimum death benefit. </div><div id="tx65494_20" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Guaranteed minimum death benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">At issue, you may elect one of our optional Guaranteed minimum death benefit options (GMDBs) in connection with your Protected Benefit account as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:35%"></td> <td style="vertical-align:bottom"></td> <td style="width:31%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:32%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Guaranteed Minimum<br/>Death Benefit</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Series B, L, C and<br/>ADV Contracts</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Series CP</div><div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">®</div></div><div style="font-weight:bold;display:inline;"></div><div style="font-weight:bold;display:inline;"> Contracts</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Return of Principal death benefit</td> <td style="vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000;vertical-align:top;text-align:center">Issue Ages 0-80</td> <td style="vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; padding-right:2pt;vertical-align:top;text-align:center">Issue Ages 0-70</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Highest Anniversary Value death benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top"><div style="font-size:x-small;display:inline;"> </div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="font-size:x-small;display:inline;"> </div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">The “Greater of” death benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Issue Ages 20-70</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top;white-space:nowrap;text-align:center">Issue Ages 20-70</td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The “Greater of” death benefit can only be elected in combination with the GMIB. The Return of Principal death benefit and the Highest Anniversary Value death benefit are available with or without the GMIB. The Highest Anniversary Value death benefit and “Greater of” death benefit are available at an additional charge. There is no charge for the Return of Principal death benefit. The Return of Principal death benefit will be issued with all eligible contracts if you do not elect either the Highest Anniversary Value or the “Greater of” death benefit at the time you apply for your Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When you have a GMDB, you can allocate your contributions to any of the following: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Protected Benefit account variable investment options; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Investment account variable investment options; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Guaranteed interest option; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The account for special dollar cost averaging (Series B and L contracts only); and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The account for special money market dollar cost averaging (Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div>, C and ADV contracts only). </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Only amounts you allocate to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for the Protected Benefit account variable investment options will fund your GMDB. These amounts will be included in your GMDB benefit base and will become part of your Protected Benefit account value. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, any credit amounts attributable to your contributions allocated to the Protected Benefit account are not included in your GMDB benefit base. If you decide to transfer amounts from your Investment account to your Protected Benefit account variable investment options, only amounts representing contributions and earnings will increase your GMDB benefit base. Credit amounts to your Investment account are considered transferred first, though any amount of that transfer that represents a credit will be excluded from your GMDB benefit base. All transfers, however, will increase your Protected Benefit account value by the amount of the transfer. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your death benefit in connection with your Protected Benefit account is equal to one of the following — whichever provides a higher amount: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your Protected Benefit account value as of the date we receive satisfactory proof of the owner’s (or older joint owner’s, if applicable) death, any required instructions for the method of payment, and any required information and forms necessary to effect payment; or </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your applicable GMDB benefit base (discussed below) on the date of the owner’s (or older joint owner’s, if applicable) death, adjusted for subsequent withdrawals (and any withdrawal charges). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For a description of how the ATP exit option will impact your GMDB benefit bases, see ‘‘ATP exit option’’. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Return of Principal death benefit </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Return of Principal guaranteed minimum death benefit is equal to your Return of Principal death benefit base. There is no additional charge for this benefit. This benefit base is not an account value or cash value. It is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts contributed to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts transferred to the Protected Benefit account variable investment options; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects any withdrawals you make from the Protected Benefit account variable investment options or from amounts in a Special DCA program designated for the Protected Benefit account variable investment options (including any withdrawal charges). The amount of this deduction is described under “How withdrawals </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt">affect your Guaranteed benefits”. The amount of any withdrawal charge is described under “Withdrawal charge” in “Charges and expenses”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix “Guaranteed benefit base examples” for an example of how the Return of Principal benefit base is calculated. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Highest Anniversary Value death benefit </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Highest Anniversary Value guaranteed minimum death benefit is equal to your Highest Anniversary Value benefit base. The current charge for this benefit is 0.35%. This benefit base is not an account value or cash value. The calculation of your Highest Anniversary Value benefit base will depend on whether you have taken a withdrawal from your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you have not taken a withdrawal from your Protected Benefit account, your Highest Anniversary Value benefit base is equal to one of the following — whichever provides a higher amount: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts contributed to a Special DCA that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts transferred to the Protected Benefit account variable investment options. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold;text-align:center"><div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">-OR-</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your highest Protected Benefit account value on any contract date anniversary up to the contract date anniversary following the owner’s (or older joint owner’s, if applicable) 85th birthday (plus any transfers to the Protected Benefit account variable investment options and contributions either directly or through a Special DCA program designated for the Protected Benefit account variable investment options, made since the most recent “reset” of the Highest Anniversary Value benefit base that established your Protected Benefit account value as your new Highest Anniversary Value benefit base). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you take a withdrawal from your Protected Benefit account and you elected the GMIB, your Highest Anniversary Value benefit base will be reduced on a dollar-for-dollar basis by withdrawals up to the annual withdrawal amount, and on a pro rata basis by Excess withdrawals (including any applicable withdrawal charges).<div style="font-weight:bold;display:inline;"> Note that any</div><div style="font-weight:bold;display:inline;"> withdrawal from</div><div style="font-weight:bold;display:inline;"> </div><div style="font-weight:bold;display:inline;">your </div><div style="font-weight:bold;display:inline;">Protected Benefit</div><div style="font-weight:bold;display:inline;"> account in the</div><div style="font-weight:bold;display:inline;"> </div><div style="font-weight:bold;display:inline;">first contract year in which the </div><div style="font-weight:bold;display:inline;">Protected Benefit</div><div style="font-weight:bold;display:inline;"> account is funded is an Excess withdrawal.</div> If you take a withdrawal from your Protected Benefit account and you did not elect the GMIB, your Highest Anniversary Value benefit base will be reduced on a pro rata basis (including any applicable withdrawal charges). Reduction on a pro rata basis means that we calculate the percentage of your Protected Benefit account </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">value that is being withdrawn and we reduce your Highest Anniversary Value benefit base by the same percentage. See “How withdrawals affect your Guaranteed benefits”. The amount of any withdrawal charge is described under “Withdrawal charge” in “Charges and expenses”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">At any time after a withdrawal, your Highest Anniversary Value benefit base is equal to one of the following — whichever provides a higher amount: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your Highest Anniversary Value benefit base immediately following the most recent withdrawal (plus any transfers to the Protected Benefit account variable investment options made since the most recent “reset” of the Highest Anniversary Value benefit base that established your Protected Benefit account value as your new Highest Anniversary Value benefit base). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold;text-align:center"><div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">-OR-</div></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your highest Protected Benefit account value on any contract date anniversary after the withdrawal up to the contract date anniversary following the owner’s (or older joint owner’s, if applicable) 85th birthday (plus any transfers to the Protected Benefit account variable investment options and contributions to a Special DCA program designated for the Protected Benefit account variable investment options, made since the most recent “reset” of the Highest Anniversary Value benefit base that established your Protected Benefit account value as your new Highest Anniversary Value benefit base). </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, any credit amounts that are part of your Protected Benefit account value are included in the calculation of the “reset” to your Highest Anniversary Value benefit base. Please note, however, that credit amounts are not part of the Highest Anniversary Value benefit base until a reset occurs. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix “Guaranteed benefit base examples” for an example of how the Highest Anniversary Value benefit base is calculated. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">“Greater of” death benefit </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your “Greater of” guaranteed minimum death benefit has a benefit base. The current charge for this benefit is 1.05%. The benefit base is not an account value or cash value. It is equal to the greater of: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The benefit base computed for the Highest Anniversary Value death benefit (described immediately above); and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base is used only in connection with the “Greater of” death benefit. It is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts contributed to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts transferred to the Protected Benefit account variable investment options; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects any “Excess withdrawal” amounts (plus any applicable withdrawal charges); plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any “Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount” or “Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount” minus a deduction that reflects any withdrawals up to the Annual withdrawal amount. (Withdrawal charges do not apply to amounts withdrawn up to the Annual withdrawal amount.) </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Either the Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount or the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is credited to the benefit bases of your Guaranteed benefits on each contract date anniversary. These amounts are calculated by taking into account your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base from the preceding contract date anniversary, the applicable <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract, contributions and transfers to the Protected Benefit account during the contract year and for the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount, any withdrawals up to the Annual withdrawal amount during the contract year. The calculation of both the Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount are discussed in this section. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In order to elect the “Greater of” death benefit, you must also elect the GMIB. Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account, and until the contract year following age 85, if your Lifetime GMIB payments under the GMIB have not begun, you may withdraw up to your Annual withdrawal amount without reducing your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. However, these same withdrawals will reduce the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount that would otherwise be applied to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base at the end of the year. Remember that the <div style="white-space:nowrap;display:inline;">Roll-up</div> amount applicable under your contract does not become part of your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base until the end of the contract year. <div style="font-weight:bold;display:inline;">The portion of</div> <div style="font-weight:bold;display:inline;">any withdrawal in excess of your</div> <div style="font-weight:bold;display:inline;">Annual withdrawal amount will reduce your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. See “Annual withdrawal amount and your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base” .</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Unless you decline or elect a different annual reset option, you will be enrolled in the automatic annual reset program and your Roll-up to age 85 benefit base will automatically reset to equal the Protected Benefit account value, if higher, on every contract date anniversary from your contract date, up to the contract date anniversary following your 85th birthday or contract maturity, if earlier. See “Annual reset options”. The <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base reset is described in more detail below. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For more information, see “Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base adjustment”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">From time to time, we may offer you some form of payment or incentive in return for terminating or modifying certain guaranteed benefits. See “Guaranteed benefit offers” for more information. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate amounts credited to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base for the contract year in which the first withdrawal is made from your Protected Benefit account and all subsequent contract years. <div style="font-weight:bold;display:inline;">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate used for the</div> <div style="font-weight:bold;display:inline;"><div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 component of the “Greater of” death benefit is always the same as the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your GMIB. </div>This rate is calculated using the <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Rate Formula. See “Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> Rate” under “Guaranteed minimum income benefit” in “Benefits available under the contract” for more information regarding this formula. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A different <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate amounts credited to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base in the contract years prior to the first withdrawal from your Protected Benefit account — the “Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate,” described below. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate amounts credited to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base through the end of the contract year that precedes the contract year in which the first withdrawal is made from your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Beginning in the first contract year in which you fund your Protected Benefit account, the <div style="white-space:nowrap;display:inline;">Roll-up</div> amount credited to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base at the end of the contract year (the “Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount”) will be calculated using the Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. Once you take a withdrawal from your Protected Benefit account, the Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount will not be credited at the end of the contract year in which the withdrawal was taken and will terminate for the life of the contract. Instead, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount will be credited. <div style="font-weight:bold;display:inline;">The Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate used for</div> <div style="font-weight:bold;display:inline;">the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85</div> <div style="font-weight:bold;display:inline;">component of the “Greater of” death benefit is always the same as the Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your GMIB. </div>This rate is calculated using the Deferral bonus <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Rate Formula. See “Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> Rate” under “Guaranteed minimum income benefit” in “Benefits available under the contract” for more information regarding this formula. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is designed as an incentive to defer taking your first withdrawal from your Protected Benefit account until later contract years while potentially building greater Guaranteed benefit bases. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">New business rates. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">The new business <div style="white-space:nowrap;display:inline;">Roll-up</div> rates we set for the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base are the same as the new business rates we set for the GMIB. The new business rates are no longer applicable after the second contract year — even if you fund your Guaranteed benefits after the second contract year. See “New business rates” under Guaranteed minimum income benefit in “Benefits available under the contract” for more information. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">75 Day rate <div style="white-space:nowrap;display:inline;">lock-in. </div></div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">When you select the “Greater of” death benefit with the GMIB, the 75 day rate lock in applies to both the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> under both Guaranteed benefits. For more information, including </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">an example of how the 75 day rate <div style="white-space:nowrap;display:inline;">lock-in</div> works, see “Guaranteed minimum income benefit” in “Benefits available under the contract.” </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Renewal rates. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">The renewal <div style="white-space:nowrap;display:inline;">Roll-up</div> rates we set for the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base are the same as the renewal rates we set for the GMIB. For more information, see “Renewal rates” under “Guaranteed minimum income benefit” in “Benefits available under the contract.” </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Notification of Renewal rates. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">If you elected the “Greater of” death benefit at issue, your contract will indicate the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and the applicable time period those rates are in effect. These rates may not be the same rates that were illustrated prior to your purchase of the contract. If you choose to fund your “Greater of” death benefit (and your GMIB) after the new business rates have expired, you can contact a Customer Service Representative to find out the current Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and if applicable, Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate for your contract. In addition, your annual statement of contract values will show your current Renewal rates as well as the previous year’s Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate or Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate (whichever applies) for your contract. The information can also be found online, through your Equitable Client portal. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base adjustment </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is an amount credited to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on each contract date anniversary if there has ever been a withdrawal from your Protected Benefit account. This amount is calculated by taking into account your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base from the preceding contract date anniversary, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract, contributions and transfers to the Protected Benefit account during the contract year and any withdrawals up to the Annual withdrawal amount during the contract year. The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount adjustment to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base is the primary way to increase the value of the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 component of your “Greater of” death benefit base. The crediting of any Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount ends on the contract date anniversary following the owner reaching age 85. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount at the end of the contract year is calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on the preceding contract date anniversary, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate that was in effect on the first day of the contract year; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any withdrawals up to the Annual withdrawal amount resulting in a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> reduction of the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any transfer from the Investment account variable investment options and/or </div></td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt">Guaranteed interest option to the Protected Benefit account variable investment options during the contract year; plus </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution amounts to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is based on the number of days in the contract year after the contribution or transfer. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In the event of your death, a <div style="white-space:nowrap;display:inline;">pro-rated</div> portion of the <div style="white-space:nowrap;display:inline;">Roll-up</div> amount will be added to the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals in excess of the Annual withdrawal amount may have a harmful effect on your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base and “Greater of” death benefit. A withdrawal in excess of your Annual withdrawal amount will always reduce your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. When the owner reaches age 85, withdrawals will reduce your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> basis up to your Annual withdrawal amount. For more information, see “How withdrawals affect your Guaranteed benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base adjustment </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is an amount credited to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on each contract date anniversary provided you have never taken a withdrawal from your Protected Benefit account. This amount is calculated by taking into account your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base from the preceding contract date anniversary, the applicable Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract, and contributions and transfers to the Protected Benefit account during the contract year. The Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount adjustment to your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base is the primary way to increase the value of the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 component of your “Greater of” death benefit base. The crediting of any Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount ends on the contract date anniversary following the owner reaching age 85. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount at the end of the contract year is calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on the preceding contract date anniversary, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate that was in effect on the first day of the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any transfer from the Investment account and/or Guaranteed interest option to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution amounts made during the contract year to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">A <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is based on the number of days in the contract year after the contribution or transfer. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In the event of your death, a <div style="white-space:nowrap;display:inline;">pro-rated</div> portion of the Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount will be added to the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base reset </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">This section describes how the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base reset works in connection with the calculation of your “Greater of” death benefit. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Unless you decline or elect a different annual reset option, you will be enrolled in the automatic annual reset program and your Roll-up to age 85 benefit base will automatically reset to equal the Protected Benefit account value, if higher, on every contract date anniversary from your contract date, up to the contract date anniversary following your 85th birthday or contract maturity, if earlier. See “Annual reset options”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, any credit amounts that are part of your Protected Benefit account value are included in the calculation of your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base reset. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If a reset is not applicable on your contract date anniversary, the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base will not be eligible to be reset again until the next contract date anniversary. For jointly-owned contracts, eligibility to reset the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base is based on the age of the older owner. For <div style="white-space:nowrap;display:inline;">non-naturally</div> owned contracts, eligibility is based on the age of the annuitant or older joint annuitant. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We will send you a notice in each year that the Roll-up to age 85 benefit base is eligible to be reset. If you are not enrolled in either the automatic annual reset program or the automatic customized reset program you will have 30 days from your contract date anniversary to request a reset. At any time, you may choose one of the three available reset methods: one-time reset option, automatic annual reset program or automatic customized reset program. The procedures for choosing a reset method are the same procedures described under “GMIB benefit base reset”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">We reserve the right to increase or decrease the fee for the “Greater of” death benefit any time after your</div> <div style="font-weight:bold;display:inline;">second contract date anniversary</div>. Please see the “Fee table” and “Charges and expenses” for more information about the charge. We will notify you at least 30 days prior to your contract date anniversary if a fee change for the “Greater of” death benefit has been declared. You may not opt out of the fee change, but you may drop or change your Guaranteed benefits within 30 days of the fee change notification. See “Dropping or changing your Guaranteed benefits in the event of a fee change”. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If we do not increase the charge for the “Greater of” death benefit, the total dollar amount charged may still increase as a result of the reset since the charges may be applied to a higher “Greater of” death benefit base than would have been otherwise applied. See “Charges and expenses” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Annual withdrawal amount and your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the “Greater of” death benefit and the GMIB, both your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base and GMIB benefit base are calculated the same way until age 85. Therefore, your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base and GMIB benefit base are equal until age 85. Beginning after the contract date anniversary following the owner’s (or older joint owner, if applicable) 85th birthday, your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base will (i) no longer roll up; (ii) no longer be eligible for resets; and (iii) be reduced <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> by withdrawals up to your Annual withdrawal amount. In contrast, the roll ups and resets for the GMIB benefit base calculation continue until age 95. Therefore, after age 85, your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base and your GMIB benefit base may differ. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Withdrawals up to your Annual withdrawal amount affect your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base the exact same way as they affect your GMIB benefit base prior to the contract date anniversary following age 85</div>. Beginning with the contract year that follows the contract year in which you first fund your Protected Benefit account, if Lifetime GMIB payments have not begun, you may withdraw up to your Annual withdrawal amount without reducing your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">It is important to note that withdrawals in excess of your Annual withdrawal amount will have a harmful effect on</div> <div style="font-weight:bold;display:inline;">your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base and your “Greater of” death benefit. </div>An Excess withdrawal reduces your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal. A withdrawal that causes your Protected Benefit account value to go to zero will terminate your “Greater of” death benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The reduction of your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis means that we calculate the percentage of your current Protected Benefit account value that is being withdrawn and we reduce your current <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base by the same percentage. A pro rata withdrawal will have a significant adverse effect on your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base in cases where the Protected Benefit account value is less than the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. For an example of how pro rata reduction works, see “How withdrawals affect your Guaranteed benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">If you have both the GMIB and the “Greater of” death benefit, the GMIB benefit base and the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 death benefit base are equal until age 85. Beginning after the contract date anniversary following age 85, your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base that is part of your “Greater of” Guaranteed minimum death benefit, will (i) no longer roll up; (ii) no longer be eligible for resets; and be reduced <div style="white-space:nowrap;display:inline;">dollar-for</div> dollar by withdrawals up to your Annual withdrawal amount. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For contracts with <div style="white-space:nowrap;display:inline;">non-natural</div> owners, the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base will be based on the annuitant’s (or older joint annuitant’s) age. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix “Guaranteed benefit base examples” for an example of how the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base that is part of the “Greater of” guaranteed minimum death benefit is calculated. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you change ownership of the contract, generally the Guaranteed minimum death benefit will automatically terminate, except under certain circumstances. See “Transfers of ownership, collateral assignments, loans and borrowing” in “More information” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Guaranteed minimum death benefits are subject to state availability and your age at contract issue. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, see Appendix “State contract availability and/or variations of certain features and benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For contracts with <div style="white-space:nowrap;display:inline;">non-natural</div> owners, the available death benefits are based on the annuitant’s age. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see both “Effect of your account values falling to zero” in “Determining your contract’s value” and “How withdrawals affect your Guaranteed benefits” and the section entitled “Charges and expenses” for more information on these Guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See Appendix “Guaranteed benefit base examples” for examples of how the benefit bases for the Guaranteed minimum death benefits work. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">From time to time, we may offer you some form of payment or incentive in return for terminating or modifying certain guaranteed benefits. See “Guaranteed benefit offers” for more information. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_204" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Payment of Death Benefit </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx65494_54" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Your beneficiary and payment of benefit </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You designate your beneficiary when you apply for your contract. You may change your beneficiary at any time while you are alive and the contract is in force. The change will be effective as of the date the written request is executed, whether or not you are living on the date the change is received in our processing office. We are not responsible for any beneficiary change request that we do not receive. We will send you a written confirmation when we receive your request. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under jointly owned contracts, the surviving owner is considered the beneficiary, and will take the place of any other beneficiary. Under a contract with a <div style="white-space:nowrap;display:inline;">non-natural</div> owner that has joint annuitants, the surviving annuitant is considered the beneficiary, and will take the place of any other beneficiary. In a QP contract, the beneficiary must be the plan trust. Where an NQ contract is owned for the benefit of a minor pursuant to the Uniform Gifts to Minors Act or the Uniform Transfers to Minors Act, the beneficiary must be the estate of the minor. Where an IRA contract is owned in a custodial individual retirement account, the custodian must be the beneficiary. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The death benefit in connection with your Investment account is equal to your Investment account value as of the date we receive satisfactory proof of the owner’s (or older joint owner’s, if applicable) death, any required instructions for the method of payment, forms necessary to effect payment and any other information we may require. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, the Investment account value used to determine the death benefit will first be reduced by the amount of any credits applied in the <div style="white-space:nowrap;display:inline;">one-year</div> period prior to the owner’s (or older joint owner’s, if applicable) death. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The death benefit in connection with any amount in your Protected Benefit account is equal to your Protected Benefit account value or, if greater, the applicable Guaranteed minimum death benefit. We determine the amount of the death benefit (other than the applicable Guaranteed minimum death benefit), as of the date we receive satisfactory proof of the owner’s (or older joint owner’s, if applicable) death, any required instructions for the method of payment, forms necessary to effect payment and any other information we may require. However, this is not the case if the beneficiary of your contract is your spouse and he or she decides to roll over the death benefit to another contract issued by us. See “Effect of the owner’s death”. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, the Protected Benefit account value used to determine the death benefit will first be reduced by the amount of any credits applied in the <div style="white-space:nowrap;display:inline;">one-year</div> period prior to the owner’s (or older joint owner’s, if applicable) death. The amount of the applicable Guaranteed minimum death benefit will be such Guaranteed minimum death benefit as of the date of the owner’s (or older joint owner’s, if applicable) death adjusted for any subsequent withdrawals. Payment of the death benefit terminates the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">When we use the terms “owner” and “joint owner”, we intend these to be references to “annuitant” and “joint annuitant”, respectively, if the contract has a <div style="white-space:nowrap;display:inline;">non-natural</div> owner. If the contract is jointly owned or is issued to a <div style="white-space:nowrap;display:inline;">non-natural</div> owner, the death benefit is payable upon the death of the older joint owner or older joint annuitant, as applicable. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Subject to applicable laws and regulations, you may impose restrictions on the timing and manner of the payment of the death benefit to your beneficiary. For example, your beneficiary designation may specify the form of death benefit payout (such as a life annuity), provided the payout you elect is one that we offer both at the time of designation and when the death benefit is payable. In general, the beneficiary will have no right to change the election. However, you should be aware that (i) in accordance with current federal income tax rules, we apply a predetermined death benefit annuity payout election only if payment of the death benefit amount begins within one year following the date of death, which payment may not occur if the beneficiary has failed to provide all required information before the end of that period, (ii) we will not apply the predetermined death benefit payout election if doing so would violate any federal income tax rules or any other applicable law, and (iii) a beneficiary or a successor owner who continues the contract under one of the continuation options described below will have the right to change your annuity payout election. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, if the annuitant dies, the owner (or older joint owner, if applicable) will become the annuitant, and the death benefit is not payable. If the contract had joint annuitants, it will become a single annuitant contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Equitable Access Account </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">If the beneficiary is a natural person (i.e., not an entity such as a corporation or a trust) and so elects, death benefit proceeds can be paid through the “Equitable Access Account,” which is a draft account that works in certain respects like an interest-bearing checking account. In that case, we will send the beneficiary a draftbook, and the beneficiary will have immediate access to the proceeds by writing a draft for all or part of the amount of the death benefit proceeds. The Company will retain the funds until a draft is presented for payment. Interest on the Equitable Access Account is earned from the date we establish the account until the account is closed by your beneficiary or by us if the account balance falls below the minimum balance requirement, which is currently $1,000. The Equitable Access Account is part of the Company’s general account and is subject to the claims of our creditors. We will receive any investment earnings during the period such amounts remain in the general account. The Equitable Access Account is not a bank account or a checking account and it is not insured by the FDIC. Funds held by insurance companies in the general account are guaranteed by the respective state guaranty association. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Effect of the owner’s death </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, if the owner dies while the contract is in force, the contract terminates and the applicable death benefit is paid. If the contract is jointly owned, the death benefit is payable upon the death of the older owner. If the contract has a <div style="white-space:nowrap;display:inline;">non-natural</div> owner, the death benefit is payable upon the death of the annuitant. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">There are various circumstances, however, in which the contract can be continued by a successor owner or under a Beneficiary continuation option (“BCO”). For contracts with spouses who are joint owners, the surviving spouse will automatically be able to continue the contract under the “Spousal continuation” feature or under our Beneficiary continuation option, as discussed below. For contracts with <div style="white-space:nowrap;display:inline;">non-spousal</div> joint owners, the joint owner will be able to continue the contract as a successor owner subject to the limitations discussed under “Non-spousal joint owner contract continuation.” </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you are the sole owner, your surviving spouse may have the option to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">take the death benefit proceeds in a lump sum; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">continue the contract as a successor owner under “Spousal continuation” (if your spouse is the sole primary beneficiary) or under our Beneficiary continuation option, as discussed below; or </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">roll the death benefit proceeds over into another contract. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your surviving spouse rolls over the death benefit proceeds into a contract issued by us, the amount of the death benefit will be calculated as of the date we receive all requirements necessary to issue your spouse’s new contract. Any death </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">proceeds will remain invested in this contract until your spouse’s new contract is issued. The amount of the death benefit will be calculated to equal the greater of the account value (as of the date your spouse’s new contract is issued) and the applicable guaranteed minimum death benefit (as of the date of your death). This means that the death benefit proceeds could vary up or down, based on investment performance, until your spouse’s new contract is issued. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the surviving joint owner is not the surviving spouse, or, for single owner contracts, if the beneficiary is not the surviving spouse, federal income tax rules generally require payments of amounts under the contract to be made within five years of an owner’s death (the <div style="white-space:nowrap;display:inline;">“5-year</div> rule”). In certain cases, an individual beneficiary or <div style="white-space:nowrap;display:inline;">non-spousal</div> surviving joint owner may opt to receive payments over his/her life (or over a period not in excess of his/her life expectancy) if payments commence within one year of the owner’s death. Any such election must be made in accordance with our rules at the time of death. If the beneficiary of a contract with one owner or a younger <div style="white-space:nowrap;display:inline;">non-spousal</div> joint owner continues the contract under the <div style="white-space:nowrap;display:inline;">5-year</div> rule, in general, all Guaranteed benefits and their charges will end. For more information on <div style="white-space:nowrap;display:inline;">non-spousal</div> joint owner contract continuation, see the section immediately below. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_205" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="white-space:nowrap;display:inline;">Non-spousal</div> joint owner contract continuation </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Upon the death of either owner, the surviving joint owner becomes the sole owner. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Any death benefit (if the older owner dies first) or cash value (if the younger owner dies first) must be fully paid to the surviving joint owner within five years. The surviving owner may instead elect to receive a life annuity, provided payments begin within one year of the deceased owner’s death. If the life annuity is elected, the contract and all benefits terminate. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the older owner dies first, we will increase the account value to equal the Guaranteed minimum death benefit, if higher. The surviving owner can elect to (1) take a lump sum payment; (2) annuitize within one year; (3) continue the contract for up to five years and any GMIB and charge will be terminated; or (4) continue the contract under the Beneficiary continuation option. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, if any contributions are made during the <div style="white-space:nowrap;display:inline;">one-year</div> period prior to the owner’s death, the account value will first be reduced by any credits applied to any such contributions. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the contract continues, any Guaranteed minimum death benefit and associated charge will be discontinued. Withdrawal charges, if applicable, will no longer apply, and no subsequent contributions will be permitted. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the younger owner dies first, the surviving owner can elect to (1) take a lump sum payment; (2) annuitize within one year; (3) continue the contract for up to five years; or (4) continue the contract under the Beneficiary continuation option. If the contract continues under the <div style="white-space:nowrap;display:inline;">“5-year</div> rule”, the death benefit is not payable and the Guaranteed minimum death benefit, if applicable, will continue without change. In general, the GMIB and charge will be discontinued. Withdrawal charges, if applicable, will continue to apply and no subsequent contributions will be permitted. </div><div id="tx65494_206" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Spousal continuation </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you are the contract owner and your spouse is the sole primary beneficiary or you jointly own the contract with your younger spouse, your spouse may elect to continue the contract as successor owner upon your death. Spousal beneficiaries (who are not also joint owners) must be 85 or younger as of the date of the deceased spouse’s death in order to continue the contract under Spousal continuation. The determination of spousal status is made under applicable state law. However, in the event of a conflict between federal and state law, we follow federal rules. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Upon your death, the younger spouse joint owner (for NQ contracts only) or the spouse beneficiary (under a Single owner contract), may elect to receive the death benefit, continue the contract under our Beneficiary continuation option (as discussed in this section) or continue the contract, as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">In general, withdrawal charges will no longer apply to contributions made before your death. Withdrawal charges if applicable will apply if subsequent contributions are made. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The applicable Guaranteed minimum death benefit option may continue as follows: </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If the surviving spouse is age 70 or younger on the date of your death for contracts with the “Greater of” death benefit or age 80 or younger for contracts with the Highest Anniversary Value death benefit, and you were age 84 or younger at death, the Guaranteed minimum death benefit continues and will continue to grow according to its terms until the contract date anniversary following the date the surviving spouse reaches age 85. The charge for the applicable Guaranteed minimum death benefit will continue to apply, even after the Guaranteed minimum death benefit no longer rolls up or is no longer eligible for resets. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If the surviving spouse is age 70 or younger on the date of your death for contracts with the “Greater of” death benefit or age 80 or younger for contracts with the Highest Anniversary Value death benefit, and you were age 85 or older at death, we will reinstate the Guaranteed minimum death benefit under the contract. The benefit base (which had previously been frozen at age 85) will now continue to grow according to its terms until the contract date anniversary following the date the surviving spouse reaches age 85. The charge for the applicable Guaranteed minimum death benefit will continue to apply, even after the Guaranteed minimum death benefit no longer rolls up or is no longer eligible for resets. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If the “Greater of” death benefit continues, the <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base reset, and any Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount or Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount, as applicable, will be based on the surviving spouse’s age. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If the surviving spouse is age 71 or over on the date of your death for the “Greater of” death benefit or </div></td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="vertical-align:top;text-align:left">age 81 or older for the Highest Anniversary Value death benefit, any applicable Guaranteed minimum death benefit will be frozen, which means: </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">On the date your spouse elects to continue the contract, the value of the Guaranteed minimum death benefit will be set to equal the amount of the Guaranteed minimum death benefit base on the date of your death. If your Total account value is higher than the Guaranteed minimum death benefit base on the date of your death, the Guaranteed minimum death benefit base <div style="font-weight:bold;display:inline;">will not be increased</div> to equal your Total account value. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Guaranteed minimum death benefit will no longer be eligible to increase, other than by the dollar amount of any subsequent contributions to the Protected Benefit account by your surviving spouse, and will be subject to pro rata reduction for any subsequent withdrawals. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The charge for the Guaranteed minimum death benefit will be discontinued. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:36.75pt"> </td> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">∎</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the death of your spouse, the beneficiary will receive, as of the date of death, the greater of the Total account value and the value of the Guaranteed minimum death benefit. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">In all cases, whether the Guaranteed minimum death benefit continues or is discontinued, if your Total account value is lower than the Guaranteed minimum death benefit base on the date of your death, your Total account value <div style="font-weight:bold;display:inline;">will be increased</div> to equal the Guaranteed minimum death benefit base. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB may continue if the benefit had not already terminated and the benefit will be based on the surviving spouse’s age at the date of the deceased spouse’s death. See “Exercise rules” under ‘‘Guaranteed minimum income benefit (‘‘GMIB’’)’’ in ‘‘Benefits available under the contract’’. If the GMIB continues, the charge for the GMIB will continue to apply. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Where an NQ contract is owned by a Living Trust, as defined in the contract, and at the time of the annuitant’s death the annuitant’s spouse is the sole beneficiary of the Living Trust, the Trustee, as owner of the contract, may request that the spouse be substituted as annuitant as of the date of the annuitant’s death. No further change of annuitant will be permitted. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Where an IRA contract is owned in a custodial individual retirement account, and your spouse is the sole beneficiary of the account, the custodian may request that the spouse be substituted as annuitant after your death. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For jointly owned NQ contracts, if the younger spouse dies first no death benefit is paid, and the contract continues as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Guaranteed benefits continue to be based on the older spouse’s age for the life of the contract. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If the deceased spouse was the annuitant, the surviving spouse becomes the annuitant. If the deceased spouse was a joint annuitant, the contract will become a single annuitant contract. </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The withdrawal charge schedule, if applicable, remains in effect. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you divorce, Spousal continuation does not apply. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_207" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Beneficiary continuation option </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">This feature permits a designated individual, on the contract owner’s death, to maintain a contract with the deceased contract owner’s name on it and receive distributions under the contract, instead of receiving the death benefit in a single sum. We make this option available to beneficiaries under traditional IRA, Roth IRA and NQ contracts, subject to state availability. For traditional and Roth IRAs, depending on the beneficiary, this option may be restricted for deaths after December 31, 2019, due to the changes made by the Setting Every Community Up for Retirement Enhancement Act (“SECURE Act”) enacted at the end of 2019. Please speak with your financial professional for further information. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, including information on the availability of the Beneficiary continuation option in your state, see Appendix “State contract availability and/or variations of certain features and benefits”. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">Where an IRA contract is owned in a custodial individual retirement account, the custodian may reinvest the death benefit in an individual retirement annuity contract, using the account beneficiary as the annuitant. Depending on the beneficiary, this option may be restricted for deaths after December 31, 2019, due to the changes made by the SECURE Act. Please speak with your financial professional for further information. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Beneficiary continuation option for traditional IRA and Roth IRA contracts only. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">The Beneficiary continuation option must be elected by September 30th of the year following the calendar year of your death and before any other inconsistent election is made. Beneficiaries who do not make a timely election will not be eligible for this option. If the election is made, then, as of the date we receive satisfactory proof of death, any required instructions, information and forms necessary to effect the Beneficiary continuation option feature, we will increase the Protected Benefit account value to equal the applicable death benefit if such death benefit is greater than such account value, adjusted for any subsequent withdrawals. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, the account value will first be reduced by any credits applied in the <div style="white-space:nowrap;display:inline;">one-year</div> period prior to the owner’s death. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">For deaths after December 31, 2019, only specified individuals who are “eligible designated beneficiaries” or “EDBs” may stretch post-death payments over the beneficiary’s life expectancy. See “required minimum distributions after your death” under “Tax Information.” Individual beneficiaries who do not have EDB status (including beneficiaries named by the original beneficiary to receive any remaining interest after the death of the original beneficiary) must take out any remaining interest in the IRA or plan within 10 years of the applicable death. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under the Beneficiary continuation option for IRA and Roth IRA contracts: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The contract continues with your name on it for the benefit of your beneficiary. </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary replaces the deceased owner as annuitant. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">This feature is only available if the beneficiary is an individual. Certain trusts with only individual beneficiaries will be treated as individuals for this purpose. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If there is more than one beneficiary, each beneficiary’s share will be separately accounted for. It will be distributed over the beneficiary’s own life expectancy, if payments over life expectancy are chosen. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The minimum amount that is required in order to elect the Beneficiary continuation option is $5,000 for each beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary may make transfers among the Investment account variable investment options and the guaranteed interest option (subject to our rules) but no subsequent contributions will be permitted. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Protected Benefit account variable investment options will no longer be available and no value can be allocated to those investment options. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If any Guaranteed benefits are in effect under the contract, they will no longer be in effect and charges for such benefits will stop. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary may choose at any time to withdraw all or a portion of the Total account value and no withdrawal charges, if any, will apply. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any partial withdrawal must be at least $300. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your beneficiary will have the right to name a beneficiary to receive any remaining interest in the contract. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the death of your beneficiary, the following distribution rules will apply to the subsequent beneficiary named by your beneficiary: (1) if your beneficiary is an EDB or you died on or before December 31, 2019, the subsequent beneficiary must withdraw any remaining amount within ten years of your beneficiary’s death; or (2) if your beneficiary is not an EDB, the subsequent beneficiary must withdraw any remaining amount within 10 years of your death. The option elected will be processed when we receive satisfactory proof of death, any required instructions for the method of payment and any required information and forms necessary to effect payment. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">For beneficiaries who are required to take the entire interest within 10 years, we offer our post-death automatic RMD option to help the beneficiary meet the RMD requirements if the deceased owner died on or after the Required Beginning Date. We calculate post-death RMD payments using the beneficiary’s life expectancy determined in accordance with IRS tables. Instead of electing our post-death automatic RMD option, your beneficiary may choose to calculate the required amount themselves and request partial withdrawals. Regardless of whether your beneficiary elects this option, any remaining amounts will be distributed to your beneficiary by the end of the 10th calendar year following the year of your death. It is the beneficiary’s responsibility to ensure compliance with the post-death RMD rules under federal tax law. </td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Beneficiary continuation option for NQ contracts only. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">This feature, also known as Inherited annuity, may only be elected when the NQ contract owner dies before the annuity maturity date, whether or not the owner and the annuitant are the same person. For purposes of this discussion, “beneficiary” refers to the successor owner. This feature must be elected within 9 months following the date of your death and before any other inconsistent election is made. Beneficiaries who do not make a timely election will not be eligible for this option. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Generally, payments will be made once a year to the beneficiary over the beneficiary’s life expectancy, determined on a term certain basis and in the year payments start. These payments must begin no later than one year after the date of your death and are referred to as “scheduled payments.” The beneficiary may choose the <div style="white-space:nowrap;display:inline;">“5-year</div> rule” instead of scheduled payments over life expectancy. If the beneficiary chooses the <div style="white-space:nowrap;display:inline;">5-year</div> rule, there will be no scheduled payments. Under the <div style="white-space:nowrap;display:inline;">5-year</div> rule, the beneficiary may take withdrawals as desired, but the entire account value must be fully withdrawn by the fifth anniversary of your death. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under the Beneficiary continuation option for NQ contracts: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">This feature is only available if the beneficiary is an individual. It is not available for any entity such as a trust, even if all of the beneficiaries of the trust are individuals. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary automatically replaces the existing annuitant. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The contract continues with your name on it for the benefit of your beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If there is more than one beneficiary, each beneficiary’s share will be separately accounted for. It will be distributed over the respective beneficiary’s own life expectancy, if scheduled payments are chosen. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The minimum amount that is required in order to elect the Beneficiary continuation option is $5,000 for each beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The beneficiary may make transfers among the Investment account variable investment options but no subsequent contributions will be permitted. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The Protected Benefit account variable investment options will no longer be available and no value can be allocated to those investment options. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If any Guaranteed benefits are in effect under the contract, they will no longer be in effect and charges for such benefits will stop. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If the beneficiary chooses the <div style="white-space:nowrap;display:inline;">“5-year</div> rule,” withdrawals may be made at any time. If the beneficiary instead chooses scheduled payments, the beneficiary may also take withdrawals, in addition to scheduled payments, at any time. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any partial withdrawals must be at least $300. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your beneficiary will have the right to name a beneficiary to receive any remaining interest in the contract on the beneficiary’s death. </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the death of your beneficiary, the beneficiary he or she has named has the option to either continue taking scheduled payments based on the remaining life expectancy of the deceased beneficiary (if scheduled payments were chosen) or to receive any remaining interest in the contract in a lump sum. We will pay any remaining interest in the contract in a lump sum if your beneficiary elects the <div style="white-space:nowrap;display:inline;">5-year</div> rule. The option elected will be processed when we receive satisfactory proof of death, any required instructions for the method of payment and any required information and forms necessary to effect payment. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">If the deceased is the owner or the older joint owner: </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">As of the date we receive satisfactory proof of death, any required instructions, information and forms necessary to effect the Beneficiary continuation option feature, we will increase the Protected Benefit account value to equal the applicable death benefit if such death benefit is greater than such Protected Benefit account value adjusted for any subsequent withdrawals. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, the account value will first be reduced by any credits applied in a <div style="white-space:nowrap;display:inline;">one-year</div> period prior to the owner’s death. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">No withdrawal charges, if applicable, will apply to any withdrawals by the beneficiary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">If the deceased is the younger <div style="white-space:nowrap;display:inline;">non-spousal</div> joint owner: </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The account value will not be reset to the death benefit amount. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The contract’s withdrawal charge schedule, if applicable, will continue to be applied to any withdrawal or surrender other than scheduled payments; the contract’s free withdrawal amount will continue to apply to withdrawals but does not apply to surrenders. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">We do not impose a withdrawal charge on scheduled payments except if, when added to any withdrawals previously taken in the same contract year, including for this purpose a contract surrender, the total amount of withdrawals and scheduled payments exceed the free withdrawal amount. See the “Withdrawal charges” in “Charges and expenses”. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A surviving spouse should speak to his or her tax professional about whether Spousal continuation or the Beneficiary continuation option is appropriate for him or her. Factors to consider include, but are not limited to, the surviving spouse’s age, need for immediate income and a desire to continue any Guaranteed benefits under the contract. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_208" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Living Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx65494_209" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Guaranteed minimum income benefit </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">This section describes the Guaranteed minimum income benefit, or “GMIB”. The current charge for this benefit is 1.05%. The GMIB guarantees, subject to certain restrictions, annual lifetime payments (“Lifetime GMIB payments”) that are calculated by applying your GMIB benefit base, less any </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">applicable withdrawal charge remaining, to guaranteed annuity purchase factors. You choose whether you want the option to be paid on a single or joint life basis at the time the GMIB is exercised. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Lifetime GMIB payments will begin at the earliest of: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">the next contract year following the date your Protected Benefit account value falls to zero (provided the no lapse guarantee is in effect); </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">the contract date anniversary following your 95th birthday; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">your contract’s maturity date; or </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iv)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">your election to exercise the GMIB. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We reserve the right to change the annuity option or make other forms of payout options available at any time. For a description of payout options, see “Your annuity payout options” in “Accessing your money”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When you exercise the GMIB, the annual lifetime income that you will receive will be the greater of (i) your GMIB which is calculated by applying your GMIB benefit base, less any applicable withdrawal charge remaining (if exercised prior to age 95), to GMIB guaranteed annuity purchase factors, or (ii) the income provided by applying your Protected Benefit account value to our then current annuity purchase factors or base contract guaranteed annuity purchase factors. The GMIB benefit base is applied only to the guaranteed annuity purchase factors under the GMIB in your contract and not to any other guaranteed or current annuity purchase rates. Your account value is never applied to the guaranteed annuity purchase factors under GMIB. The amount of income you actually receive will be determined when we receive your request to exercise the benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If there is no Investment account value remaining when you elect to receive annual lifetime income, your contract (including its death benefit and any account or cash values) will terminate and you will receive a new contract for the annuity payout option. For a discussion of when your payments will begin and end, see “Exercise of Guaranteed minimum income benefit”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Before you elect the GMIB, you should consider the fact that it provides a form of insurance and is based on conservative actuarial factors. Therefore, even if your Protected Benefit account value is less than your benefit base, you may generate more income by applying your Protected Benefit account value to current annuity purchase factors. </div>We will make this comparison for you upon request.<div style="font-weight:bold;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Surrendering your contract will terminate your GMIB. Please see “Surrendering your contract to receive its cash value” in “Accessing your money”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB also allows you to take certain withdrawals (your “Annual withdrawal amount”) prior to the beginning of your Lifetime GMIB payments without reducing your GMIB benefit base. Your Annual withdrawal amount for the next contract </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">year is calculated each contract date anniversary by applying a percentage (“the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate”) to your GMIB benefit base. Lifetime GMIB payments and your Annual withdrawal amount are described in this section. With respect to your GMIB, it is important to note the following: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Once a withdrawal is taken from your Protected Benefit account, you cannot make additional contributions to your Protected Benefit account, either directly or through a Special DCA program. You can, however, continue to make transfers from your Investment account to the Protected Benefit account variable investment options until such time you make a subsequent contribution to your Investment account at which point transfers into the Protected Benefit account will no longer be available. Scheduled transfers from an existing Special DCA program will continue, even after such subsequent contribution is made to the Investment account. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Withdrawals in excess of your Annual withdrawal amount (an “Excess withdrawal”) can greatly reduce the value of your GMIB. An Excess withdrawal that reduces your Protected Benefit account value to zero will cause your GMIB to terminate. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In order to fund your Guaranteed minimum income benefit, you must make contributions or transfers to the Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB is issued with all eligible contracts unless you tell us you do not want it (or “opt out”) at the time you apply for your Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract. The GMIB is issued to owners age 20 – 80 (ages 20 – 70 for Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div>) and with all contract types except Inherited IRA. If the contract is jointly owned, eligibility for the GMIB will be issued based on the older owner’s age. The GMIB cannot be added to your contract later if you decide to <div style="white-space:nowrap;display:inline;">opt-out.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can drop your GMIB at any time prior to funding your Protected Benefit account. For all Series except Series C and Series ADV, if you fund your Protected Benefit account at issue, you can drop your GMIB provided that all contributions to the contract are no longer subject to withdrawal charges. If you fund your Protected Benefit account after issue, you cannot drop the GMIB until the later of (i) the contract date anniversary following the date the Protected Benefit account is funded, and (ii) the expiration of all withdrawal charges. For Series C and Series ADV contracts, if you fund the Protected Benefit account at issue, you can drop your GMIB if your contract has been in force for at least four contract years. It is important to note that if you decide to drop your GMIB, either before or after funding your Protected Benefit account, your Guaranteed minimum death benefit may be affected. Please see “Dropping or changing your Guaranteed benefits” and Appendix “Dropping or changing your Guaranteed benefits” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">The GMIB is issued with all eligible contracts unless you tell us you do not want it (or “opt out”) at the time you complete your application. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When you purchase a contract with the GMIB, you can combine it with one of our Guaranteed minimum death benefits: (i) the Return of Principal death benefit, (ii) the Highest Anniversary Value death benefit, or (iii) the “Greater of” death benefit. The GMIB cannot be combined with the “Greater of” death benefit if you are age 71 or older at the time your contract is issued. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">There is an additional charge for the GMIB which is described under “Guaranteed minimum income benefit charge” in “Charges and expenses”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the GMIB and change ownership of the contract, this benefit will automatically terminate, except under certain circumstances. See “Transfers of ownership, collateral assignments, loans and borrowing” in “More information”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">The Guaranteed minimum income benefit should be regarded as a safety net only. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">GMIB benefit base </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your GMIB has a benefit base. Your GMIB benefit base is not an account value or cash value. The GMIB benefit base is used to calculate your Lifetime GMIB payments, your Annual withdrawal amount and the charge for the benefit. Your GMIB benefit base is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your initial contribution and any subsequent contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any amounts in a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Any transfers to the Protected Benefit account variable investment options; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A deduction that reflects any “Excess withdrawal” amounts (plus any applicable withdrawal charges); plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">“Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount” OR any “Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount”, minus a deduction that reflects any withdrawals up to the Annual withdrawal amount. (Withdrawal charges do not apply to amounts withdrawn up to the Annual withdrawal amount.) </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Either the Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount or the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is credited to the benefit bases of your Guaranteed benefits on each contract date anniversary. These amounts are calculated by taking into account your GMIB benefit base from the preceding contract date anniversary, the applicable <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract, contributions and transfers to the Protected Benefit account during the contract year and for the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount, any withdrawals up to the Annual withdrawal amount during the contract year. The calculation of both the Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount are discussed in this section. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;"></div>Beginning in the contract year that follows the contract year in which you fund your Protected Benefit account, if your Lifetime GMIB payments have not begun, you can withdraw up to your Annual withdrawal<div style="font-weight:bold;display:inline;"> </div>amount without reducing your GMIB benefit base. However, those same withdrawals will reduce the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount that would otherwise be applied to the GMIB benefit base at the end of the contract year. Remember that the <div style="white-space:nowrap;display:inline;">Roll-up</div> amount applicable under your contract does not become part of your GMIB benefit base until the end of the contract year. <div style="font-weight:bold;display:inline;">The portion of any withdrawal in excess of your Annual withdrawal amount will reduce your GMIB benefit base on a pro rata basis. See “Annual withdrawal amount”. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Unless you decline or elect a different annual reset option, you will be enrolled in the automatic annual reset program and your GMIB benefit base will automatically “reset” to equal the Protected Benefit account value, if higher, on every contract date anniversary from your contract date, up to the contract date anniversary following your 95th birthday or contract maturity, if earlier. See “Annual reset options”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Only amounts you allocate to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for the Protected Benefit account variable investment options will fund your GMIB. These amounts will be included in your GMIB benefit base and will become part of your Protected Benefit account value. See “Allocating your contributions” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You purchase a Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> — Series B contract with an initial contribution of $100,000 and allocate $60,000 to the Protected Benefit account variable investment options and $40,000 to the Investment account variable investment options. Your initial GMIB benefit base will be $60,000. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Provided you did not opt out of the GMIB, you can fund your GMIB benefit by allocating money to the Protected Benefit account variable investment options (either directly or through a special DCA program) immediately or at some later date. Allocations to the Protected Benefit account variable investment options also fund your Guaranteed minimum death benefit. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your “Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount” and “Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount” are described below. Your GMIB benefit base stops “rolling up” on the contract date anniversary following the owner’s (or older joint owner’s, if applicable) 95th birthday. If the annuitant is older than the owner, the contract maturity date (the point at which Lifetime GMIB payments must begin and <div style="white-space:nowrap;display:inline;">Roll-ups</div> will end) will precede the owner’s 95th birthday. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For contracts with <div style="white-space:nowrap;display:inline;">non-natural</div> owners, the GMIB benefit base will be based on the annuitant’s (or older joint annuitant’s) age. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The amount of the deduction for an “Excess withdrawal” and the deduction for the Annual withdrawal amount are described under “How withdrawals affect your Guaranteed </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">benefits”. The amount of any withdrawal charge is described under “Withdrawal charge” in “Charges and expenses”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts only, any credit amounts attributable to your contributions are not included in your GMIB benefit base. This includes credit amounts transferred from your Investment account. Credits to your Investment account are always considered transferred first. Amounts transferred in excess of credit amounts, which may include earnings on the credit amounts, will increase your GMIB benefit base. All transfers, however, will increase your Protected Benefit account value by the total amount of the transfer. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example, you make an initial contribution of $100,000 and allocate the entire $100,000 to the Investment account variable investment options. Your Investment account is credited with $3,000 (3% x $100,000). Assume you later transfer $4,000 to the Protected Benefit account variable investment options, which represents the credit amount plus earnings, some of which are attributable to the credit amount. Your GMIB benefit base would equal $1,000 ($4,000 – $3,000). However, your Protected Benefit account value would still increase by the transfer, which in this example is $4,000. For more information, see “Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts and your Guaranteed benefit bases”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">As discussed in this section, your GMIB benefit base is not an account value or cash value. As a result, the GMIB benefit base cannot be split or divided in any proportion in connection with a divorce. See “How divorce may affect your Guaranteed benefits” in “More information.” </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see Appendix “Guaranteed benefit base examples” for an example of how the GMIB benefit base is calculated. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You do not have an Annual withdrawal amount in the first contract year in which you fund your Protected Benefit account. A withdrawal from your Protected Benefit account in the first contract year in which you fund the Protected Benefit account will reduce your GMIB benefit base on a pro rata basis. Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account, if your Lifetime GMIB payments have not begun, withdrawals up to your Annual withdrawal amount will not reduce your GMIB benefit base. The portion of a withdrawal in excess of your Annual withdrawal amount will reduce your GMIB benefit base on a pro rata basis. See “Annual withdrawal amount”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For a description of how the ATP exit option will impact your GMIB benefit base, see ‘‘ATP exit option’’. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate your Annual withdrawal amount. It is also used to calculate amounts credited to your GMIB benefit base for the contract year in which the first withdrawal is made from your Protected Benefit account and all subsequent contract years. A different <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate amounts credited to your GMIB benefit base in the contract years prior to the first withdrawal from your Protected Benefit account — it is </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">called the “Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate”. The Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is described below. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is variable and is tied to the <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate described below, but the minimum rate will never be less than 4% or greater than 8% in all contract years. The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will be set at our discretion, subject to the stated minimum. We reserve the right, however, to declare an Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate that is greater than 8%. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate. </div></div></div>For each calendar quarter, this rate is the average of the rates for the <div style="white-space:nowrap;display:inline;">ten-year</div> U.S. Treasury notes on each day for which such rates are reported during the 20 calendar days ending on the 15th day of the last month of the preceding calendar quarter, plus 1.00%, rounded to the nearest 0.10%. U.S. Treasury rates will be determined from the Federal Reserve Board Constant Maturity Series or such comparable rates as may be published by the Federal Reserve Board or generally available reporting services if the Federal Reserve Board Constant Maturity Series is discontinued. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is only used to calculate amounts credited to your GMIB benefit base through the end of the contract year that precedes the contract year in which the first withdrawal is made from your Protected Benefit account. The Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is never used to calculate your Annual withdrawal amount under the GMIB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Beginning with the first contract year in which you fund your Protected Benefit account, the <div style="white-space:nowrap;display:inline;">Roll-up</div> amount credited to your GMIB benefit base at the end of the contract year (the “Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount”) will be calculated using the Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. Once you take a withdrawal from your Protected Benefit account, the Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount will not be credited at the end of the contract year in which the withdrawal was taken and will terminate for the life of the contract. Instead, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount will be credited. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is designed as an incentive to defer taking your first withdrawal from your Protected Benefit account until later contract years while potentially building greater Guaranteed benefit bases with a higher <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is variable and is tied to the Deferral Bonus <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate described below. The minimum Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will never be less than 4% or greater than 8% in all contract years up until the first withdrawal from the Protected Benefit account. The Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will be set at our discretion, subject to the stated minimum. We reserve the right, however, to declare a Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate that is greater than 8%. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Deferral Bonus <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate. </div></div></div>For each calendar quarter, this rate is the average of the rates for the <div style="white-space:nowrap;display:inline;">ten-year</div> U.S. Treasury notes on each day </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt">for which such rates are reported during the 20 calendar days ending on the 15th day of the last month of the preceding calendar quarter, plus 2.00%, rounded to the nearest 0.10%. U.S. Treasury rates will be determined from the Federal Reserve Board Constant Maturity Series or such comparable rates as may be published by the Federal Reserve Board or generally available reporting services if the Federal Reserve Board Constant Maturity Series is discontinued. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">As described above, both the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and the Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will never be less than 4% or greater than 8% in all contract years. Based on the underlying formula rates that are used in arriving at the two <div style="white-space:nowrap;display:inline;">Roll-up</div> rates, it is expected that the Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will generally be 1.00% greater than the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. However, this is not guaranteed. In certain interest rate environments, the Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate may not always be 1.00% greater than the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. In some cases, it may be more or less than 1.00% greater than the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Examples: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Assume the calculation of <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate results in an Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate of 3.25% and the calculation of the Deferral Bonus <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate results in a Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate of 4.25%. Since the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is subject to a guaranteed minimum of 4%, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate would be 4%. The Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate would remain 4.25% having met the same guaranteed minimum. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Assume the calculation of <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate results in an Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate of 7.25% and the calculation of the Deferral Bonus <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate results in a Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate of 8.25%. Since the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is below the guaranteed maximum of 8%, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate would remain 7.25%. The Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate would be 8% because it would have exceeded our guaranteed maximum. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">It is important to note that on each contract date anniversary, we will apply either the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate or the Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate to your GMIB benefit base based on whether you have ever taken a withdrawal from the Protected Benefit account. In statements we provide you, we will show you the <div style="white-space:nowrap;display:inline;">Roll-up</div> amounts under both rate scenarios. Once you take a withdrawal from your Protected Benefit account, the Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will no longer be shown on your statements. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">New business rates. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">Your initial Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will not be less than 4% or, if greater, the <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate. Your initial Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will not be less than 4% or, if greater, the Deferral bonus <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate. Once a contract is issued with the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> and Deferral bonus rates that are in effect for new business, those rates will be applicable for two contract years. Any transfers or contributions to the Protected Benefit </div></div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">account variable investment options, either directly or through a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the time period in which new business rates are in effect will get the new business rates. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">New business rates are no longer applicable after the duration specified in your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">75 Day rate <div style="white-space:nowrap;display:inline;">lock-in. </div></div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">If your initial contribution is received at our processing office within 75 days of the date you sign your application, your initial Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will be as follows: if either the Deferral bonus Roll-up rate or the Annual roll-up rate is lower on the date your contract is issued than on the date you signed your application, your contract will be issued with the Roll-up rates in effect on the date you signed your application. However, if on the date your contract is issued one Roll-up rate is higher and the other Roll-up rate is at least equal to the rate in effect on the date you signed your application or both Roll-up rates are higher than the Roll-up rates on the date you signed your application, your contract will be issued with the Roll-up rates in effect on the date your contract is issued. If we do not receive your initial contribution within 75 days of the date you sign your application, then your initial Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will be the rates in effect on the date we issue your contract. However, our procedures may result in the return of your application if we do not receive your initial contribution within 75 days of the date you sign your application. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, including whether a different rate <div style="white-space:nowrap;display:inline;">lock-in</div> period applies in your state, see Appendix “State contract availability and/or variations of certain features and benefits”. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Examples: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You sign your application for Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract on September 15th. On that date the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rates are 4.50% and 5.50%, respectively. Your initial contribution is received by way of a roll-over contribution on October 5th and the contract is issued the same day. On that date the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rates are 4.25% and 5.25%, respectively. In this example, your contract will be issued with the rates that were “locked in” at the time you signed your application, not the lower rates that were in effect on the date your contract was issued. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You sign your application for Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract on October 15th. On that date the Annual Roll-up rate and Deferral bonus Roll-up rates are 4.50% and 5.00%, respectively. Your initial contribution is received by way of a rollover contribution on November 5th and the contract is issued the same day. On that date the Annual Roll-up rate and Deferral bonus Roll-up rates are 4.75% and 5.25%, respectively. In this example, your contract will be issued with the rates that were in effect at the time your contract was issued, not the lower rates that were in effect on the date your application was signed. </td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These are your initial Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> and Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rates and they will apply to your contract for two contract years. Thereafter, Renewal rates will apply. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Renewal rates. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">After the new business rates are no longer in effect, a new Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will apply to your contract. A new Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate will also apply provided you have never taken a withdrawal from your Protected Benefit account. These “Renewal rates” will never be less than 4% or, if greater, the underlying <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate (for the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> Rate) and Deferral bonus <div style="white-space:nowrap;display:inline;">Ten-Year</div> Treasuries Formula Rate (for the Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate). </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These Renewal rates may be more than or less than, or equal to, your initial Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. We also reserve the right to set new business rates that are higher than Renewal rates. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Any transfers or contributions to the Protected Benefit account variable investment options, either directly or through a Special DCA program and any contribution amounts in a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options, after the first day of any contract year will get the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate in effect as of the most recent contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Notification of Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Renewal rates. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">If you elected the GMIB, your contract will indicate the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and the applicable time period those rates are in effect. These rates may not be the same rates that were illustrated prior to your purchase of the contract. If you choose to fund the GMIB after the new business rates have expired, you can contact a Customer Service Representative or visit www.equitable.com to find out the current Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate and if applicable, the Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate for your contract. In addition, your annual statement of contract values will show your current Renewal rates, as well as the previous year’s Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate or Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate (whichever applies) for your contract. This information can also be found online, through your Equitable Client portal. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate your Annual withdrawal amount and the credit to your GMIB benefit base if you have taken a withdrawal from your Protected Benefit account. The Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate the credit to your GMIB benefit base until a withdrawal is made. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual GMIB benefit base adjustment </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is an amount credited to your GMIB benefit base on each contract date anniversary if there has ever been a withdrawal from your Protected Benefit account. This amount is calculated by taking into account your GMIB benefit base from the preceding contract date anniversary, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract, contributions and transfers to the Protected Benefit account during the contract year and any withdrawals up to the Annual withdrawal amount during the contract year. The </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount adjustment to your GMIB benefit base is a primary way to increase the value of your GMIB benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount at the end of the contract year is calculated, as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">your GMIB benefit base on the preceding contract date anniversary, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate that was in effect on the first day of the contract year; less </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">any withdrawals up to the Annual withdrawal amount resulting in a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> reduction of the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any transfer from the Investment account and/or Guaranteed interest option to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution amounts made during the contract year to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">A <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is based on the number of days in the contract year after the contribution or transfer. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual GMIB benefit base adjustment </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is an amount credited to your GMIB benefit base on each contract date anniversary provided you have never taken a withdrawal from your Protected Benefit account. The amount is calculated by taking into account your GMIB benefit base from the preceding contract date anniversary, the applicable Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate under your contract and contributions and transfers to the Protected Benefit account during the contract year. The Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount adjustment to your GMIB benefit base is a primary way to increase the value of your GMIB benefit base. Your Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount at the end of the contract year is calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">your GMIB benefit base on the preceding contract date anniversary, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate that was in effect on the first day of the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">a <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">a <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any transfer from the Investment account and/or Guaranteed interest option to the Protected Benefit account variable investment options during the contract year; plus </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">a <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for any contribution amounts made during the contract year to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options during the contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">A <div style="white-space:nowrap;display:inline;">pro-rated</div> Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is based on the number of days in the contract year after the contribution or transfer. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">The GMIB benefit base stops rolling up on the contract date anniversary following the owner’s (or older joint owner, if applicable) 95th birthday or, if earlier, at contract maturity, or the owner’s (or older joint owner’s, if applicable) death. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">GMIB benefit base reset </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Unless you decline or elect a different annual reset option, you will be enrolled in the automatic annual reset program and your GMIB benefit base will automatically “reset” to equal the Protected Benefit account value, if higher, on every contract date anniversary from your contract date, up to the contract date anniversary following your 95th birthday or contract maturity, if earlier. See “Annual reset options”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, any credit amounts that are part of your Protected Benefit account value are included in the calculation of your GMIB benefit base reset. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If a reset is not applicable on your contract date anniversary, the GMIB benefit base will not be eligible to be reset again until the next contract date anniversary. For jointly-owned contracts, eligibility to reset the GMIB benefit base is based on the age of the older owner. For <div style="white-space:nowrap;display:inline;">non-naturally</div> owned contracts, eligibility is based on the age of the annuitant or older joint annuitant. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Annual reset options </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We will send you a notice in each year that the GMIB benefit base is eligible to be reset. If you are not enrolled in either the automatic annual reset program or the automatic customized reset program you will have 30 days from your contract date anniversary to request a reset. At any time, you may choose one of the three available reset methods: one-time reset option, automatic annual reset program or automatic customized reset program. <div style="font-weight:bold;display:inline;">If, at the time of application, you do not decline the automatic annual reset program or elect a different annual reset option, you will be enrolled in the automatic annual reset program.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;"></div><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">one-time reset option </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-style:italic;display:inline;">— resets your GMIB benefit base on a single contract date anniversary. </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><div style="font-style:italic;display:inline;"></div><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">automatic annual reset program </div></div></div><div style="font-family:Times New Roman; font-size:10pt;display:inline;"><div style="font-style:italic;display:inline;"><div style="font-family:arial;display:inline;">— automatically resets your </div>GMIB <div style="font-family:arial;display:inline;">benefit base on each contract date anniversary you are eligible for a reset.</div> </div></div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;"></div><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">automatic customized reset program </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"><div style="font-style:italic;display:inline;">— automatically resets your GMIB benefit base on each contract date anniversary, if eligible, for the period you designate. </div></div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">One-time reset requests will be processed as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if your request is received within 30 days following your contract date anniversary, your GMIB benefit base will be reset, if eligible, as of that contract date anniversary. If your GMIB benefit base was not eligible for a reset on that contract date anniversary, your one-time reset request will be terminated; or </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if your request is received outside the 30 day period following your contract date anniversary, your GMIB benefit base will be reset, if eligible, on the next contract date anniversary. If your GMIB benefit base is not eligible for a reset, your one-time reset request will be terminated. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Once your one-time reset request is terminated, you must submit a new request in order to reset your benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you wish to cancel your elected reset program, your request must be received by our processing office at least one business day prior to your contract date anniversary to terminate your reset program for such contract date anniversary. Cancellation requests received after this window will be applied the following year. A reset cannot be cancelled after it has occurred. For more information, see ‘‘How to reach us’’. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Effect of GMIB Benefit Base Resets </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Unless you decline or elect a different annual reset option, your GMIB benefit base will reset automatically. You must notify us in writing that you want to opt out of any automatic reset program. You can send us a written request to opt back in to an automatic reset program at a later date. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">It is important to note that once you have reset your GMIB benefit base, a new waiting period to exercise the GMIB will apply from the date of the reset. Your new exercise date will be the tenth contract date anniversary following the reset or, if later, the earliest date you would have been permitted to exercise without regard</div> <div style="font-weight:bold;display:inline;">to the reset, but in no event will it be later than the</div> <div style="font-weight:bold;display:inline;">contract date anniversary following age 95.</div> See ‘‘Exercise rules’’ under ‘‘Guaranteed minimum income benefit (‘‘GMIB’’)’’ and ‘‘How withdrawals affect your Guaranteed benefits’’ for more information. Please note that in most cases, resetting your GMIB benefit base will lengthen the exercise waiting period. Also, even when there is no additional charge when you reset your Roll-up benefit base, the total dollar amount charged may increase as a result of the reset since the charges may be applied to a higher benefit base than would have been otherwise applied. See ‘‘Charges and expenses’’. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Owners of traditional IRA or QP contracts should consider the effect of the waiting period on the requirement to take lifetime required minimum distributions before resetting the GMIB benefit base. If a QP contract is converted to an IRA, in a direct rollover, the waiting period for the reset under the IRA contract will include any time that the QP contract was a funding vehicle under the plan. If a traditional IRA contract owner or a plan participant must begin taking lifetime required minimum distributions during the 10-year waiting </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">period, the individual may want to consider taking the annual lifetime required minimum distribution calculated for the contract from another permissible contract or funding vehicle. See ‘‘How withdrawals affect your Guaranteed benefits’’ and ‘‘Lifetime required minimum distribution withdrawals’’ in ‘‘Accessing your money.’’ Also, see ‘‘Required minimum distributions’’ under ‘‘Individual retirement arrangements (IRAs)’’ in ‘‘Tax information’’ and Appendix ‘‘Purchase considerations for QP Contracts’’. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Annual withdrawal amount </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">(Applicable prior to the beginning of Lifetime GMIB payments) </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual withdrawal amount for the next contract year is calculated on each contract date anniversary beginning with the contract year that follows the contract year in which the Protected Benefit account is first funded, and is equal to: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate in effect at the time, multiplied by </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the GMIB benefit base as of the most recent contract date anniversary. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account, if your Lifetime GMIB payments have not begun, you may withdraw up to your Annual withdrawal amount without reducing your GMIB benefit base and adversely affecting your Lifetime GMIB payments. <div style="font-weight:bold;display:inline;">It is important to note that withdrawals in excess of your Annual withdrawal amount will have a harmful effect on both your GMIB benefit base and Lifetime GMIB payments. An Excess withdrawal that reduces your Protected Benefit account to zero will cause your</div> <div style="font-weight:bold;display:inline;">GMIB</div> <div style="font-weight:bold;display:inline;">to terminate. </div>You do not have an Annual withdrawal amount in the contract year in which you fund the Protected Benefit account. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, including information on how withdrawals affect your Guaranteed benefit bases, see Appendix “State contract availability and/or variations of certain features and benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A withdrawal from your Protected Benefit account in the first contract year in which the Protected Benefit account is funded will reduce your GMIB benefit base on a pro rata basis. Beginning with the contract year that follows the contract year in which your Protected Benefit account was first funded, the portion of a withdrawal from your Protected Benefit account in excess of your Annual withdrawal amount, and all subsequent withdrawals from your Protected Benefit account in that contract year, will always reduce your GMIB benefit base on a pro rata basis. This is referred to as an “Excess withdrawal”. The reduction of your GMIB benefit base on a pro rata basis means that we calculate the percentage of your current Protected Benefit account value that is being withdrawn and we reduce your current GMIB benefit base by the same percentage. A pro rata withdrawal will have a significant adverse effect on your benefit base in cases where the Protected Benefit account value is less than the benefit base. For an example of how a pro rata reduction works, see “How withdrawals affect your Guaranteed benefits”.<div style="font-weight:bold;display:inline;"> </div><div style="font-weight:bold;display:inline;">A withdrawal from your Protected</div> </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Benefit account in the first contract year in which the Protected Benefit account is funded is an Excess withdrawal.</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For more information, see “Example of how your Annual withdrawal amount; Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual GMIB benefit base adjustment; and the effect of an Excess withdrawal is calculated” in this section. See also “How withdrawals affect your Guaranteed benefits” and see Appendix “Examples of how withdrawals affect your Guaranteed benefit bases” for examples of how withdrawals affect your Annual withdrawal amount. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual withdrawal amount is always calculated using the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate in effect for your contract at the beginning of the contract year. The Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate, described above, is never used for the purposes of calculating the Annual withdrawal amount. Your Annual withdrawal amounts are not cumulative. If you withdraw less than your Annual withdrawal amount in any contract year, you may not add the remainder to your Annual withdrawal amount in any subsequent year. Your Annual withdrawal amount may be more than or less than your Lifetime GMIB payments. Please refer to the beginning of this section for more information about “Lifetime GMIB payments”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Example of how your Annual withdrawal amount; Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount; Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual GMIB benefit base adjustment; and the effect of an Excess withdrawal is calculated. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Annual withdrawal amount. </div>Assume you make a contribution of $200,000 and allocate $100,000 to your Protected Benefit account variable investment options and $100,000 to your Investment account variable investment options at issue. At the beginning of contract year three, assume you transfer $5,000 to your Protected Benefit account variable investment options. Also assume that your Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is 4% and your Deferral bonus rate is 5% in each contract year. Accordingly, your GMIB benefit base on your fifth contract date anniversary is $133,416. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB benefit base of $133,416 is calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You start with $100,000 allocated to the Protected Benefit account variable investment options. This amount is your initial GMIB benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">The first Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount increases your GMIB benefit base to <div style="font-weight:bold;display:inline;">$105,000. </div>($100,000 + $5,000) </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">$100,000 (GMIB benefit base) x 5% (Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate) = $5,000 (Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount)</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">The second Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount increases your GMIB benefit base to <div style="font-weight:bold;display:inline;">$110,250.</div> ($105,000 + $5,250) </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">$105,000 (GMIB benefit base) x 5% (Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate) = $5,250 (Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount)</div> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Your $5,000 transfer from the Investment account at the beginning of contract year three increases your GMIB benefit base to <div style="font-weight:bold;display:inline;">$115,250. </div><div style="font-style:italic;display:inline;">($110,250 + $5,000)</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">The third Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount increases your GMIB benefit base to <div style="font-weight:bold;display:inline;">$121,012. </div><div style="font-style:italic;display:inline;">($115,250 + $5,762)</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">$115,250 (GMIB benefit base) x 5% (Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate) = $5,762 (Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount)</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">The fourth Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount increases your GMIB benefit base to <div style="font-weight:bold;display:inline;">$127,063. </div><div style="font-style:italic;display:inline;">($121,012 + $6,051)</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">$121,012 (GMIB benefit base) x 5% (Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate) = $6,051 (Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount)</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">The fifth Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount increases your GMIB benefit base to <div style="font-weight:bold;display:inline;">$133,416. </div>($127,063 + $6,353) </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">$127,063 (GMIB benefit base) x 5% (Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate) = $6,353 (Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> amount)</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Annual withdrawal amount as of the beginning of contract year six is equal to $5,337, calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$133,416 (GMIB benefit base as of your most recent contract date anniversary <div style="font-weight:bold;display:inline;">multiplied by</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">4% (your current Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate) <div style="font-weight:bold;display:inline;">equals</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$5,337 </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note that your Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is used to calculate your Annual withdrawal amount. The Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate is never used to calculate your Annual withdrawal amount. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount and annual benefit base adjustment.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> Further assume that during contract year six (on the 146th day of the contract year), you make a contribution of $10,000 to your Protected Benefit account variable investment options, making your current GMIB benefit base after the contribution $143,416. Also assume that you withdraw your full Annual withdrawal amount of $5,337 during contract year six. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On your sixth contract date anniversary, your Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount is equal to $240, calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">4% <div style="font-style:italic;display:inline;">(your current Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate) </div><div style="font-weight:bold;display:inline;">multiplied by</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$133,416 <div style="font-style:italic;display:inline;">(your GMIB benefit base as of your most recent contract date anniversary) </div><div style="font-weight:bold;display:inline;">minus</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$5,337 (the Annual withdrawal amount, which was withdrawn) <div style="font-weight:bold;display:inline;">plus</div> </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$240 <div style="font-style:italic;display:inline;">(the daily <div style="white-space:nowrap;display:inline;">pro-rated</div> <div style="white-space:nowrap;display:inline;">Roll-up</div> amount for the contribution: $10,000 x 4% x 219/365* = $240)</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">equals </div>$240 </td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="line-height:0.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:24%;text-align:center;margin-left: auto;margin-right: auto"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left"><div style="font-style:italic;display:inline;">*</div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left"><div style="font-style:italic;display:inline;">This fraction represents the number of days in a <div style="white-space:nowrap;display:inline;">365-day</div> contract year that the contribution would have received credit toward the <div style="white-space:nowrap;display:inline;">Roll-up</div> amount.</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note that the withdrawal in contract year six terminated the Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate. Therefore on the sixth contract date anniversary, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate was used to calculate the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your adjusted GMIB benefit base is $143,656. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Effect of an Excess withdrawal.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> In contract year six, assume instead that you make a withdrawal of $8,337 (including any applicable withdrawal charges). This would result in an Excess withdrawal of $3,000 because your Annual withdrawal amount is only $5,337 ($8,337 – $5,337 = $3,000). Further, assume that your Protected Benefit account value at the time of this withdrawal is $100,000. As described in this section, Excess withdrawals reduce your GMIB benefit base on a pro rata basis. Accordingly, your GMIB benefit base is reduced by $4,302 at the time of the withdrawal, calculated as follows: </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$143,416 <div style="font-style:italic;display:inline;">(your current GMIB benefit base: $133,416 + $10,000)</div> <div style="font-weight:bold;display:inline;">multiplied by</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">3% <div style="font-style:italic;display:inline;">(the percentage of your current Protected Benefit account value that was withdrawn in excess of your Annual withdrawal amount) </div><div style="font-weight:bold;display:inline;">equals</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$4,302 </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On your sixth contract date anniversary, your adjusted GMIB benefit base is $139,354, calculated as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$139,114 <div style="font-style:italic;display:inline;">(your GMIB benefit base adjusted to reflect the Excess withdrawal: $143,416 – $4,302 = $139,114) </div><div style="font-weight:bold;display:inline;">plus</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$240 <div style="font-style:italic;display:inline;">(your Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> amount) </div><div style="font-weight:bold;display:inline;">equals</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">$139,354 </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note that the Excess withdrawal in contract year six terminated the no lapse guarantee. Please see the following section below for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See Appendix “Examples of how withdrawals affect your Guaranteed benefit bases” for more examples of how withdrawals affect your Guaranteed benefit bases and Annual withdrawal amount. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Guaranteed minimum income benefit “no lapse guarantee” </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, if your Protected Benefit account value falls to zero (except as discussed below), the GMIB will be exercised automatically, based on the owner’s (or older joint owner’s, if applicable) current age and GMIB benefit base as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You will be issued a life only supplementary contract based on a single life. Upon exercise, your Guaranteed minimum death benefit will be terminated. </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You will have 30 days from when we notify you to change the payout option and/or the payment frequency. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Poor investment performance of the Protected Benefit account variable investment options may contribute to your Protected Benefit account value falling to zero. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The no-lapse guarantee will terminate under the following circumstances: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If your aggregate withdrawals from your Protected Benefit account in any contract year following the contract year in which you first fund your Protected Benefit account exceed your Annual withdrawal amount. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Upon the contract date anniversary following the owner (or older joint owner, if applicable) reaching age 95, or, if earlier, the contract maturity date. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you were enrolled in the Maximum Payment Plan or Customized Payment Plan, the frequency of your Lifetime GMIB payments will be the same based on the payment frequency you elected. Your Lifetime GMIB payment amount may be less than your Annual withdrawal amount in the prior contract year. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you were not enrolled in the Maximum Payment Plan or Customized Payment Plan, you will begin receiving your Lifetime GMIB payments annually beginning at the end of the next contract year. Your Lifetime GMIB payment amount may be less than your Annual withdrawal amount in the prior contract year. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Exercise of Guaranteed minimum income benefit. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">On each contract date anniversary that you are eligible to exercise the GMIB, we will send you an eligibility notice illustrating how much income could be provided as of the contract date anniversary. You must notify us within 30 days following the contract date anniversary if you want to exercise the GMIB. You must return your contract to us, along with all required information within 30 days following your contract date anniversary, in order to exercise this benefit. Upon exercise of the GMIB, the owner (or older joint owner, if applicable) will become the annuitant, and the contract will be annuitized on the basis of the annuitant’s life. You will begin receiving annual payments one year after the annuity payout contract is issued. If you choose monthly or quarterly payments, you will receive your payment one month or one quarter after the annuity payout contract is issued. Under monthly or quarterly payments, the aggregate payments you receive in a contract year will be less than what you would have received if you had elected an annual payment, as monthly and quarterly payments reflect the time value of money with regard to both interest and mortality. You may choose to take a withdrawal prior to exercising the GMIB, which will reduce your payments. You may not partially exercise this benefit. See ‘‘Accessing your money’’ under ‘‘Withdrawing your account value’’. Payments end with the last payment before the annuitant’s<div style="font-weight:bold;display:inline;"> </div>(or joint annuitant’s, if applicable) death. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Exercise rules. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">The latest date you may exercise the GMIB is the 30th day following the contract date anniversary following </div></div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">the annuitant’s 95th birthday. Withdrawal charges, if any, will not apply when the GMIB is exercised at age 95. If the GMIB is exercised on any contract date anniversary prior to age 95, the GMIB benefit base is reduced by any remaining withdrawal charge. If the GMIB is exercised as a result of the no lapse guarantee, any applicable withdrawal charges are waived. Eligibility to exercise the GMIB is based on the owner’s (or older joint owner’s, if applicable) age, as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If you were at least age 20 and no older than age 44 on the contract date anniversary immediately preceding the date you first funded your Protected Benefit account, you are eligible to exercise the GMIB within 30 days following each contract date anniversary beginning with the 15th contract date anniversary following the date you first funded your Protected Benefit account. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If you were at least age 45 and no older than age 49 on the contract date anniversary immediately preceding the date you first funded your Protected Benefit account, you are eligible to exercise the GMIB within 30 days following each contract date anniversary after age 60. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If you were at least age 50 and no older than age 80 on the contract date anniversary immediately preceding the date you first funded your Protected Benefit account, you are eligible to exercise the GMIB within 30 days following each contract date anniversary beginning with the 10th contract date anniversary following the date you first funded your Protected Benefit account. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The GMIB guarantees annual lifetime payments (“Lifetime GMIB payments”), which will begin at the earliest of: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">the next contract year following the date your Protected Benefit account value falls to zero (provided the no lapse guarantee is in effect); </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">the contract date anniversary following your 95th birthday; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">(iii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">your contract’s maturity date; or </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">(iv)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">your election to exercise the GMIB. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Lifetime GMIB payments will be calculated as described below in this section. Whether your Lifetime GMIB payments are triggered by contract maturity, age 95, the no lapse guarantee, or your election to exercise the GMIB, we use the same calculation to determine the amount of the payments. Please note that withdrawal charges, if any, may apply if you elect to exercise the GMIB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For single owner contracts, the payout can be either based on a single life (the owner’s life) or joint lives. For IRA contracts, the joint life must be the spouse of the owner. For jointly owned contracts, payments can be based on a single life (based on the life of the older owner) or joint lives. For non-natural owners, payments are available on the same basis (based on the annuitant or joint annuitant’s life). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Your Lifetime GMIB payments are calculated by applying your GMIB benefit base less any applicable withdrawal charge remaining, to guaranteed annuity purchase factors. If </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">your Protected Benefit account value is zero as described under “Guaranteed minimum income benefit “no lapse guarantee””, we will use your GMIB benefit base as of the day your Protected Benefit account value was reduced to zero. On the day your Protected Benefit account value is reduced to zero, we calculate your GMIB benefit base using the same formula described under “GMIB benefit base”. If your Protected Benefit account was reduced to zero on a date other than your contract anniversary, we will include a pro rata portion of the applicable Roll-up amount in your GMIB base. Withdrawal charges, if any, will not apply under these circumstances. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Example: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:arial">Assume your Protected Benefit account value goes to zero in the middle of the 10th contract year. At the beginning of the 10th contract year, the GMIB benefit base is $100,000. Further assume there were no contributions or transfers to the Protected Benefit account or any withdrawals during that contract year. If the applicable Roll-up rate was 4%, the GMIB benefit base on the day your Protected Benefit account value was reduced to zero would be $102,000. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your Protected Benefit account value is reduced to zero on your contract date anniversary as the result of the deduction of charges under the contract, we will add any remaining Annual Roll-up amount, or if applicable, your Deferral bonus Roll-up amount, to your GMIB benefit base. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the GMIB is exercised under any of the four events as described above, and you have no Investment account value, the following applies: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">We will issue a supplementary contract with the same owner and beneficiary. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">The deferral contract, including the Guaranteed minimum death benefit will be terminated. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the GMIB is exercised under any of the four events in the bullets, as described above, and you have Investment account value, the following applies: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">We will issue a supplementary contract for the Protected Benefit account with the same owner and beneficiary. The Investment account under the deferred contract will continue to be in force. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Your Lifetime GMIB payment will not reduce your Investment account value. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Your Guaranteed minimum death benefit will be terminated. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iv)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">For IRA contracts, your RMD payments will be based solely on your Investment account value and may only be withdrawn from your Investment account. </div></td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elect to exercise the GMIB or your Protected Benefit account value has not fallen to zero before the contract maturity date or the contract date anniversary that follows the annuitant reaching age 95, whichever is sooner, the following applies: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">We will issue a supplementary contract with the same owner and beneficiary; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Your Lifetime GMIB payments will be equal to the greater of: </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">your Protected Benefit account value applied to the guaranteed, or, if greater, the current annuitization factors, </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold;text-align:center">-OR- </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">the GMIB benefit base applied to the guaranteed annuity purchase factors. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example, assuming the current annuitization factors are greater than the guaranteed annuitization factors, a male contract owner whose annuitant is age 95 and has a $100,000 GMIB benefit base and $50,000 in Protected Benefit account value would receive the greater of the following: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Current annuitization factors (which are subject to change) applied to his $50,000 Protected Benefit account value, which currently equals a monthly payment of $1,065, or </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">The guaranteed annuity purchase factor discussed above (in this example, it would be 0.69%) applied to his $100,000 GMIB benefit base, which equals a Lifetime GMIB monthly payment of $690. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In this example, the contract owner’s monthly payment would be $1,065. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Any Investment account value will be annuitized under a separate contract based on one of the annuity payout options discussed under “Your annuity payout options” in “Accessing your money”. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">Upon issuing your supplementary contract, your Guaranteed minimum death benefit and your death benefit in connection with your Investment account value will be terminated. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the GMIB and your Protected Benefit account value falls to zero due to an Excess withdrawal, we will terminate your GMIB and you will receive no payment or supplementary life annuity contract, even if your GMIB benefit base is greater than zero. Please see the Hypothetical illustrations in Appendix “Hypothetical illustrations” for an example of how Lifetime GMIB payments are calculated when: (i) a hypothetical Protected Benefit account value falls to zero, and (ii) the annuitant reaches age 95. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please note: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(i)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if the GMIB benefit base is reset after age 85, the only time you may exercise the GMIB is within 30 days following the contract date anniversary following the annuitant’s attainment of age 95; </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(ii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">for Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series QP contracts, the Plan participant can exercise the GMIB only if he or she elects to take a distribution from the Plan and, in connection with this distribution, the Plan’s trustee changes the ownership of the contract to the participant. This effects a rollover of the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series QP contract into a Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series traditional IRA. This process must be completed within the 30-day time frame following the contract date anniversary in order for the Plan participant to be eligible to exercise. However, if the GMIB is automatically exercised as a result of the no lapse guarantee, a rollover into an IRA will not be effected and payments will be made directly to the trustee; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(iii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">since no partial exercise is permitted, owners of defined benefit QP contracts who plan to change ownership of the contract to the participant must first compare the participant’s lump sum benefit amount and annuity benefit amount to the GMIB benefit base and account value, and make a withdrawal from the contract if necessary. See ‘‘How withdrawals affect your Guaranteed benefits’’; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">(iv)</div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left"><div style="font-weight:bold;display:inline;">if you reset the GMIB benefit base your new exercise date will be the tenth contract date anniversary following the reset or, if later, the earliest date you would have been permitted to exercise without regard to the reset, but in no event will it be later than the contract date anniversary following age 95. Please note that in most cases, resetting your GMIB benefit base will lengthen the waiting period;</div> </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(v)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">a spouse beneficiary or younger spouse joint owner under Spousal continuation may only continue the GMIB if the contract is not past the last date on which the original owner could have exercised the benefit. In addition, the spouse beneficiary or younger spouse joint owner must be eligible to continue the benefit and to exercise the benefit under the applicable exercise rule (described in the above bullets) using the following additional rules. The spouse beneficiary or younger spouse joint owner’s age on the date of the owner’s death replaces the owner’s age at issue, for purposes of determining the availability of the benefit and which of the exercise rules applies. For example, if an owner is age 70 at issue, and he dies at age 79, and the spouse beneficiary is 86 on the date of his death, she will not be able to exercise the GMIB, even though she was 77 at the time the contract was issued, because eligibility is measured using her age at the time of the owner’s death, not her age on the issue date. The original contract issue date will continue to apply for purposes of the exercise rules; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(vi)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if the contract is jointly owned and not an IRA contract, you can elect to have the GMIB paid either: (a) as a joint life benefit or (b) as a single life benefit paid on the basis of the older owner’s age (if applicable); </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(vii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if the contract is an IRA contract, you can elect to have the Guaranteed minimum income benefit paid </div></td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="vertical-align:top;text-align:left">either: (a) as a joint life benefit, but only if the joint annuitant is your spouse or (b) as a single life benefit paid on the basis of the older annuitant’s age; and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(viii)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">if the contract is owned by a trust or other non-natural person, eligibility to elect or exercise the GMIB is based on the annuitant’s (or older joint annuitant’s, if applicable) age, rather than the owner’s. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See ‘‘Effect of the owner’s death’’ under ‘‘Payment of death benefit’’ for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Please see ‘‘How withdrawals affect your Guaranteed benefits’’ and ‘‘Effect of your account values falling to zero’’ in ‘‘Determining your contract’s value’’ for more information on these guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">From time to time, we may offer you some form of payment or incentive in return for terminating or modifying certain guaranteed benefits. See “Guaranteed benefit offers” for more information. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Asset transfer program (‘‘ATP’’) </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the GMIB, you are required to participate in the asset transfer program (‘‘ATP’’). The ATP helps us manage our financial exposure in providing the guaranteed benefits, by using predetermined mathematical formulas to move account value between the ATP Portfolio and the other Protected Benefit account variable investment options. The formulas applicable to you may not be altered once you have the benefit. In essence, we seek to preserve account value in the Protected Benefit account variable investment options by transferring some or all of your account value in other Protected Benefit account variable investment options to a more stable option (i.e., the ATP Portfolio). The formulas also contemplate the transfer of some or all of the account value from the ATP Portfolio to the other Protected Benefit account variable investment options according to your allocation instructions on file. The formulas are described below and are also described in greater detail in Appendix “Formula for asset transfer program for Guaranteed minimum income benefit”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The ATP Portfolio will only be used to hold amounts transferred out of your other Protected Benefit account variable investment options in accordance with the formulas described below. The ATP Portfolio is part of the Protected Benefit account, but you may not directly allocate a contribution to the ATP Portfolio or request a transfer of account value into the ATP Portfolio. The ATP applies to amounts you allocate to the Protected Benefit account variable investment options. On a limited basis, you may request a transfer out of the ATP Portfolio, subject to the rules discussed below. For a summary description of the ATP Portfolio, please see ‘‘Portfolios of the Trusts’’ in “Purchasing the Contract”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Transfers into or out of the ATP Portfolio, if required, are processed on each valuation day. The valuation day occurs on each contract monthiversary. The contract monthiversary is the same date of the month as the contract date. If the contract monthiversary is not a business day in any month, the valuation day will be the next business day. For contracts </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">with issue dates after the 28th day of the month, the valuation day will be on the first business day of the following month. In the twelfth month of the contract year, the valuation day will be on the contract date anniversary. If the contract date anniversary occurs on a day other than a business day, the valuation day will be the business day immediately preceding the contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, the formulas work as follows. On each valuation day, two formulas — the ATP formula and the transfer amount formula — are used to automatically perform an analysis with respect to your GMIB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The first formula, called the ATP formula, begins by calculating a contract ratio, which is determined by dividing the Protected Benefit account value by the GMIB benefit base, and subtracting the resulting number from one. The contract ratio is then compared to predetermined ‘‘transfer points’’ to determine what portion of the Protected Benefit account value needs to be held in the ATP Portfolio. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the contract ratio on the valuation day is equal to or less than the minimum transfer point, all of the account value in the ATP Portfolio, if any, will be transferred to the other Protected Benefit account variable investment options according to your allocation instructions on file. If the contract ratio on the valuation day exceeds the minimum transfer point but is less than the maximum transfer point, amounts may be transferred either into or out of the ATP Portfolio depending on the account value already in the ATP Portfolio and a Special DCA program designated for the Protected Benefit account variable investment options. If the contract ratio on the valuation day is equal to or greater than the maximum transfer point, the total amount of your account value in the Protected Benefit account variable investment options will be transferred into the ATP Portfolio. For purposes of these calculations, amounts in any Special DCA program designated for the Protected Benefit account variable investment options are excluded from amounts that are transferred into the ATP Portfolio. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">ATP transfers into the ATP Portfolio will be transferred out of your other Protected Benefit account variable investment options on a pro rata basis. ATP transfers out of the ATP Portfolio will be allocated among the other Protected Benefit account variable investment options in accordance with your allocation instructions on file. No amounts will be transferred into or out of a Special DCA program as a result of any ATP transfer. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you make a contribution or transfer to your Protected Benefit account after the contract date, that contribution will be allocated according to the instructions that you provide or, if we do not receive any instructions, according to the allocation instructions on file for your contract. If the contribution or transfer is processed on a valuation day, it will be subject to an ATP transfer calculation on that day. If the contribution is received between valuation days, the amount contributed will be subject to an ATP transfer calculation on the next valuation day. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A separate formula, called the transfer amount formula, is used to calculate the amount that must be transferred either </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">into or out of the ATP Portfolio when the ATP formula indicates that such a transfer is required. For example, the transfer amount formula reallocates Protected Benefit account value such that for every 1% by which the contract ratio exceeds the minimum transfer point after the transaction 10% of the Protected Benefit account value will be invested in the ATP Portfolio and a Special DCA program designated for the Protected Benefit account variable investment options. When the contract ratio exceeds the minimum transfer point by 10% (i.e., it reaches the maximum transfer point), amounts will be transferred into the ATP Portfolio such that 100% of the Protected Benefit account value will be invested in the ATP Portfolio and a Special DCA program designated for the Protected Benefit account variable investment options. On the first day of your first ATP year, the minimum transfer point is 10% and the maximum transfer point is 20%. The minimum and maximum transfer points increase each contract monthiversary. In the 20th ATP year (and later), the minimum transfer point is 50% and the maximum transfer point is 60%. See Appendix “Formula for asset transfer program for Guaranteed minimum income benefit” for a list of transfer points. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Each time you make a subsequent contribution or transfer to your Protected Benefit account we will apply a setback adjustment formula. We use the formula to determine whether (and to what extent) your applicable transfer points may be “set back”. Any set back of your transfer points will apply on the next business day. The formula we use to calculate the set back applicable to you may not be altered once you have the benefit. In general, the formula adjusts your applicable transfer points to reflect the weighted average age of all contributions and transfers made to the Protected Benefit account in relation to the GMIB benefit base on the day prior to the contribution or transfer. For information about the calculation, please see Appendix “Formula for asset transfer program for Guaranteed minimum income benefit”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you take a withdrawal from your Protected Benefit account and there is account value allocated to the ATP Portfolio, the withdrawal will be taken pro rata out of your Protected Benefit account variable investment options (including the ATP Portfolio). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Subject to any necessary regulatory approvals and advance notice to affected contract owners, we reserve the right to utilize an investment option other than the ATP Portfolio as part of the ATP. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">ATP exit option.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> Apart from the operation of the formulas, you may request a transfer of account value in the ATP Portfolio. You may wish to exercise the ATP exit option if you seek greater equity exposure and if it meets your investment goals and risk tolerance. This strategy may result in higher growth of your Protected Benefit account value if the market increases which may also increase your Guaranteed benefit bases upon a reset. On the other hand, if the market declines, your Protected Benefit account value will also decline which will reduce the likelihood that your Guaranteed benefit bases will increase. You should consult with your financial professional to </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">assist you in determining whether exercising the ATP exit option meets your investment goals and risk tolerance. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The ATP exit option is subject to the following limitations: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You may not transfer out of the ATP Portfolio during the contract year in which you first fund your Protected Benefit account. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Beginning in the contract year that follows the contract year in which you first fund your Protected Benefit account, and until the contract year following age 85, you may make a transfer out of the ATP Portfolio only once per contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You must elect the transfer on a specific transfer form we provide. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">100% of your account value in the ATP Portfolio must be transferred out. You cannot request a partial transfer. The transfer will be allocated to your other Protected Benefit account variable investment options based on the instructions we have on file. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">There is no minimum account value requirement for the ATP exit option. You may make this election if you have any account value in the ATP Portfolio. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">We are not able to process an ATP exit option on a valuation day. If your transfer form is received in good order on a valuation day, your ATP exit option will be processed on the next business day. If no account value remains in the ATP Portfolio on that day, there will be no transfer and your election will not count as your one permitted ATP exit option for that contract year. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If we process an ATP exit option, we will recalculate your benefit bases. A transfer may result in a reduction in your Guaranteed benefit bases and therefore a reduction in the value of your Guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You should be aware that contributions and transfers to the Protected Benefit account generally have the effect of moving money out of the ATP Portfolio. However, in cases where the GMIB benefit base far exceeds the Protected Benefit account value and a contribution or transfer has not been made for a long period of time, making an additional contribution or transfer to the Protected Benefit account may result in no movement out of the ATP Portfolio due to the ATP year set back. Under these circumstances, the additional contribution or transfer may be transferred into the ATP Portfolio on the next valuation day. You should consider these factors when making a subsequent contribution or transfer to your Protected Benefit account. See Appendix “Formula for asset transfer program for Guaranteed minimum income benefit” for examples of how subsequent contributions may impact the ATP exit option. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On the day the ATP exit option is processed, the current value of the GMIB benefit base, the Roll-up to age 85 benefit base and the Highest Anniversary Value benefit base (as applicable) is compared to the new benefit base produced by the ATP exit option formula. Each benefit base (the GMIB benefit base, the Roll-up to age 85 benefit base and the </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Highest Anniversary Value benefit base) is adjusted to the lesser of the current value of that benefit base or the new benefit base produced by the ATP exit option formula. There is the potential that the Roll-up to age 85 benefit base will be adjusted without a corresponding adjustment to the Highest Anniversary Value benefit base and vice versa. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If the GMIB benefit base and Roll-up to age 85 benefit base are adjusted, there are no corresponding adjustments made to the Deferral bonus Roll-up amount, the Annual Roll-up amount and the Annual withdrawal amount in that contract year. Any applicable amounts are added to your newly adjusted GMIB benefit base and Roll-up benefit base to age 85. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The effect of the ATP exit option on the Guaranteed minimum death benefit bases is as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">‘‘Greater of’’ GMDB: Both the Roll-up to age 85 benefit base and the Highest Anniversary Value benefit base will be adjusted as described below. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Highest Anniversary Value death benefit: The benefit base value for the Highest Anniversary Value death benefit will be adjusted as described below. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Return of Principal death benefit: The Return of Principal death benefit base is not adjusted. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For information about the ATP exit option, please see Appendix “Formula for asset transfer program for Guaranteed minimum income benefit”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">GMIB annuity purchase factors.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> Annuity purchase factors are the factors applied to determine your periodic payments under the GMIB and base contract annuity payout options. GMIB annuity purchase factors are based on the owner’s (and any younger joint owner’s) age, frequency of payment, are the same regardless of gender, and are generally more conservative than the base contract annuity purchase factors. Base contract annuity payout options are discussed under “Your annuity payout options” in “Accessing your money” later in this Prospectus. Base contract annuity purchase factors are based on interest rates, mortality tables, frequency of payments, the form of annuity benefit, and the owner’s (and any joint owner’s) age and sex in certain instances. We may provide more favorable current annuity purchase factors for the annuity payout options than those specified in your contract. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Exercising the GMIB when your Protected Benefit account value is greater than zero</div></div></div><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> The lifetime annual payment amount you receive will be the greater of the Lifetime GMIB payment amount or the income derived from applying your Protected Benefit account value to our current or guaranteed annuitization factors. This lifetime annual payment amount may be lower than your Annual withdrawal amount depending on your age, current annuitization factors, and your Protected Benefit account and GMIB benefit base values at the time you exercise the GMIB. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Exercising the GMIB through the no-lapse guarantee when your Protected Benefit account value falls to zero.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> If your </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Protected Benefit account value falls to zero and the no lapse guarantee is in effect, the GMIB is exercised automatically and you will receive Lifetime GMIB payments. This annual Lifetime GMIB payment amount may be lower than your Annual withdrawal amount, depending on your age at the time the GMIB is exercised and whether you elect to be paid on a single or joint life basis. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">Exercising the GMIB provides you with a guaranteed annual lifetime payment that is not intended to replace the annual income you can receive by withdrawing the Annual withdrawal amount prior to exercising the</div> <div style="font-weight:bold;display:inline;">GMIB</div><div style="font-weight:bold;display:inline;">.</div> <div style="font-weight:bold;display:inline;">The annual Lifetime GMIB payment amount you receive is based on conservative actuarial factors and may be lower than your Annual withdrawal amount.</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">At some GMIB exercise ages, the annual Lifetime GMIB payment amount may be less than your Annual withdrawal amount</div><div style="font-weight:bold;display:inline;">.</div> <div style="font-weight:bold;display:inline;">Accordingly, you should not deplete your Protected Benefit account value through withdrawals in reliance on receiving a similar amount of annual income through Lifetime GMIB payments.</div> </td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_210" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Dropping or changing your Guaranteed benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can drop or change your Guaranteed benefits, subject to our rules. Your ability to do so depends on whether you have funded your Protected Benefit account. If you have not funded your Protected Benefit account, we call this a “pre-funding” drop or change. If you have funded your Protected Benefit account, we call this a “post-funding” drop. Also, in order to make a change to your Guaranteed minimum death benefit, you must meet the eligibility requirements for the new benefit. If you drop a Guaranteed benefit, you will not be permitted to add it back to your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Pre-Funding</div> Drop or Change </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Prior to funding your Protected Benefit account, you can drop your GMIB or Guaranteed minimum death benefit, or change your Guaranteed minimum death benefit. For contracts with the GMIB, the Guaranteed minimum death benefit generally cannot be changed without first dropping the GMIB. In Appendix “Dropping or changing your Guaranteed benefits”, we provide a chart that lists the possible Guaranteed benefit combinations under the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract and our rules for dropping and changing benefits prior to funding your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Post-Funding Drop </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Series B, CP<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div> and L contracts </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you funded your Protected Benefit account at issue and contributions to the contract are no longer subject to withdrawal charges, you have the option to drop both your GMIB and Guaranteed minimum death benefit. Also, in some cases, you can drop your GMIB and retain your Guaranteed minimum death benefit. If you funded your Protected Benefit account after issue, you generally cannot drop </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">your Guaranteed benefit(s) until the later of: (i) the contract date anniversary following the date the Protected Benefit account was funded, and (ii) the expiration of all withdrawal charges. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Series C and Series ADV contracts </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you funded your Protected Benefit account at issue and your contract has been in force for four contract years, you have the option to drop both your GMIB and Guaranteed minimum death benefit or in some cases, drop your GMIB and retain your Guaranteed minimum death benefit. If you funded your Protected Benefit account after issue, you generally cannot drop or change your Guaranteed benefit(s) until the later of: (i) the contract date anniversary following the funding of your Protected Benefit account, and (ii) four years from contract issue. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you decide to drop all Guaranteed benefits post-funding, we require that you complete the administrative form we provide for this purpose. You must either take a full withdrawal of your Protected Benefit account or make a <div style="white-space:nowrap;display:inline;">one-time</div> transfer to the Investment account variable investment options and guaranteed interest option. The Guaranteed benefits and any applicable charges will be terminated as of the business day we receive the properly completed administrative form at our processing office. Please note that when a Guaranteed benefit (other than the Return of Principal death benefit) is dropped on any date other than a contract date anniversary, we will deduct a pro rata portion of the charge for that year. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For contracts with the GMIB, the Guaranteed minimum death benefit cannot be dropped without first dropping the GMIB. In Appendix “Dropping or changing your Guaranteed benefits”, we provide a chart that lists the possible Guaranteed benefit combinations under the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract and our rules for dropping and changing benefits if you have already funded your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you drop the GMIB from your contract and retain the GMDB, the ATP will no longer be in effect and any account value in the ATP Portfolio will be allocated according to your instructions on file for the Protected Benefit account. If you drop the GMIB from your contract and do not retain the GMDB and you make a one-time transfer to the Protected Benefit account, any account value in the ATP Portfolio will be allocated according to your instructions on file for the Investment account (including the guaranteed interest option). Please note that if you drop the GMIB from your contract, you may not retain the “Greater of“ GMDB. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Dropping or changing your Guaranteed benefits in the event of a fee change.</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> In the event that we exercise our contractual right to change the fee for the GMIB or “Greater of” death benefit, you may be given a <div style="white-space:nowrap;display:inline;">one-time</div> opportunity to drop your Guaranteed benefits or change your GMDB if it is not yet funded, subject to our rules. You may drop or change your Guaranteed benefits only within 30 days of the fee change notification. If you have funded your Protected </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Benefit account and wish to drop your Guaranteed benefits, the requirement that all withdrawal charges have expired will be waived. See Appendix “Dropping or changing your Guaranteed benefits” for more information. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_211" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Guaranteed benefit offers </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">From time to time, we may offer you some form of payment or incentive in return for terminating or modifying certain guaranteed benefits. Previously, we made offers to groups of contract owners that provided for an increase in account value in return for terminating their guaranteed death or income benefits. In the future, we may make additional offers to these and other groups of contract owners. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When we make an offer, we may vary the offer amount, up or down, among the same group of contract owners based on certain criteria such as account value , the difference between account value and any applicable benefit base, investment allocations and the amount and type of withdrawals taken. For example, for guaranteed benefits that have benefit bases that can be reduced on either a pro rata or dollar-for-dollar basis, depending on the amount of withdrawals taken, we may consider whether you have taken any withdrawal that has caused a pro rata reduction in your benefit base, as opposed to a dollar-for-dollar reduction. Also, we may increase or decrease offer amounts from offer to offer. In other words, we may make an offer to a group of contract owners based on an offer amount, and, in the future, make another offer based on a higher or lower offer amount to the remaining contract owners in the same group. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you accept an offer that requires you to terminate a guaranteed benefit, we will no longer charge you for it, and you will not be eligible for any future offers related to that type of guaranteed benefit, even if such future offer would have included a greater offer amount or different payment or incentive. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_202" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Series CP</div><div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="font-family:arial;display:inline;"><div style="font-weight:bold;display:inline;"></div></div><div style="font-weight:bold;display:inline;"> Credits and your Guaranteed benefit bases </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Any credit amounts attributable to your contributions are not included in your GMIB and GMDB benefit bases. If you decide to transfer amounts from your Investment account to your Protected Benefit account variable investment options, only amounts representing contributions and earnings will increase your benefit bases. Credits to your Investment account are considered transferred first, though any amount of that transfer that represents a credit will be excluded from your Guaranteed benefit bases, except to the extent that any credits are part of the Protected Benefit account value, which is used to calculate the Highest Anniversary Value benefit base or a benefit base reset in connection with the GMIB benefit base or the Roll-up to age 85 benefit base (used to calculate the ”Greater of” death benefit). All transfers, however, will increase your Protected Benefit account value by the total amount of the transfer. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On December 1st, you purchase a Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contract, make an initial contribution of $100,000. Your contract is issued </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">with the GMIB and the Return of Principal death benefit. You allocate the entire $100,000 contribution to the Investment account variable investment options and $0 to the Protected Benefit account variable investment options. In effect, you have not started to fund your Guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The credit applied to your contract is $3,000 ($100,000 x 3%), resulting in an initial Investment account value of $103,000. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">On December 15th, you decide to fund your Guaranteed benefits by transferring $10,000 to the Protected Benefit account variable investment options. After that transfer, your Protected Benefit account value would be $10,000, but your GMIB benefit base and Return of Principal death benefit base would both be $7,000 ($10,000 – $3,000). This is because credits to your Investment account are always considered transferred first. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_203" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">How withdrawals affect your Guaranteed benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In general, withdrawals from your Protected Benefit account will reduce your Guaranteed benefit bases on a pro rata basis. Reduction on a pro rata basis means that we calculate the percentage of your current Protected Benefit account value that is being withdrawn and we reduce your current Guaranteed benefit bases by the same percentage. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For example, if your Protected Benefit account value is $30,000 and you withdraw $12,000, you have withdrawn 40% of your Protected Benefit account value. If your Guaranteed benefit base was $40,000 before the withdrawal, it would be reduced by $16,000 ($40,000 X .40) and your new Guaranteed benefit base after the withdrawal would be $24,000 ($40,000 – $16,000). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your Protected Benefit account value is greater than your Guaranteed benefit base, an Excess withdrawal will result in a reduction of your Guaranteed benefit base that will be less than the withdrawal. For example, if your Protected Benefit account value is $30,000 and you withdraw $12,000, you have withdrawn 40% of your Protected Benefit account value. If your Guaranteed benefit base was $20,000 before the withdrawal, it would be reduced by $8,000 ($20,000 X .40) and your new Guaranteed benefit base after the withdrawal would be $12,000 ($20,000 – $8,000). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">A pro rata deduction means that if you take a withdrawal that reduces your Guaranteed benefit bases on a pro rata basis and your Protected Benefit account value is less than your Guaranteed benefit base, the amount of the Guaranteed benefit base reduction will exceed the amount of the withdrawal. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">For purposes of calculating the adjustment to your Guaranteed benefit bases, the amount of the withdrawal will include the amount of any applicable withdrawal charge. Using the example above, the $12,000 withdrawal would include the withdrawal amount paid to you and the amount of any applicable withdrawal charge deducted from your Protected Benefit account value. For more information on the calculation of the charge, see “Withdrawal charge”. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you have a Series ADV contract, please note that withdrawals to pay advisory fees reduce your death benefit on a pro rata basis, which means it could reduce the benefit base significantly and by substantially more than the actual amount of the deduction. For example, assume your starting account value is $100,000 (all invested in variable investment options) and that your decide to withdraw your advisory fee of 1.50% annual rate at the end of each quarter. Assuming a growth rate of 5% annually (net of all other fees and charges), if you withdraw the advisory fees from your Series ADV contract, by the end of one year you will withdraw $1,546.50 to pay your adviser, your account value will be $103,425.00 and the Return of Principal death benefit base will be $98,500. Had you chosen not to take advisory fees from your contract, your account value at the end of the year and, therefore, your death benefit amount at that time, would have been $105,000. Over ten years, assuming a constant net growth rate of 5%, the account value and death benefit amount would be lower by $22,848.43 and the Return of Principal death benefit base would be $85,973.04, due to the withdrawals to pay the advisory fee. You should consider whether it is in your best interest to take withdrawals from your contract to pay advisory fees or pay them from another source. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you have a Series ADV contract, please discuss deducting advisory fees from your contract with your financial professional before making an election. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you elected the GMIB with the Highest Anniversary Value death benefit or the “Greater of” death benefit and you take a withdrawal from your Protected Benefit account, your Highest Anniversary Value benefit base for the respective guaranteed minimum death benefits will be reduced on a dollar-for-dollar basis by withdrawals up to the annual withdrawal amount, and on a pro rata basis by Excess withdrawals (including any applicable withdrawal charges). <div style="font-weight:bold;display:inline;">Note that any</div><div style="font-weight:bold;display:inline;"> withdrawal from</div><div style="font-weight:bold;display:inline;"> </div><div style="font-weight:bold;display:inline;">your </div><div style="font-weight:bold;display:inline;">Protected Benefit</div><div style="font-weight:bold;display:inline;"> account in the</div><div style="font-weight:bold;display:inline;"> </div><div style="font-weight:bold;display:inline;">first contract year in which the </div><div style="font-weight:bold;display:inline;">Protected Benefit</div><div style="font-weight:bold;display:inline;"> account is funded is an Excess withdrawal.</div><div style="font-weight:bold;display:inline;"> </div>If you take a withdrawal from your Protected Benefit account and you did not elect the GMIB with the Highest Anniversary Value death benefit, your Highest Anniversary Value benefit base will be reduced on a pro rata basis (including any applicable withdrawal charges). </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals affect your GMIB benefit base and <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base, as follows: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A withdrawal from your Protected Benefit account in the contract year in which you first fund your Protected Benefit account will reduce your GMIB benefit base and <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account, if your Lifetime GMIB payments have not begun, withdrawals up to your Annual withdrawal amount will not reduce your GMIB benefit base. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Beginning with the contract year that follows the contract year in which you fund your Protected Benefit account and until the contract date anniversary after age 85, if your Lifetime GMIB payments have not begun, withdrawals up to your Annual withdrawal amount will not reduce your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base. </td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Beginning on the contract date anniversary after age 85, withdrawals will reduce your <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">dollar-for-dollar</div></div> basis up to your Annual withdrawal amount. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The portion of a withdrawal in excess of your Annual withdrawal amount (“Excess withdrawal”) will always reduce your GMIB benefit base and <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. This means that once a withdrawal is taken that causes the sum of the withdrawals from your Protected Benefit account to exceed the Annual withdrawal amount, that portion of the withdrawal that exceeds the Annual withdrawal amount and any subsequent withdrawals from your Protected Benefit account in that contract year will reduce the GMIB benefit base and <div style="white-space:nowrap;display:inline;">Roll-up</div> to age 85 benefit base on a pro rata basis. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Please note: A withdrawal (including withdrawals to pay advisory fees) will reduce your Guaranteed benefits, and the reduction may be substantially more than the amount of the withdrawal.</div> Please see Appendix “Examples of how withdrawals affect your Guaranteed benefit bases” for examples of how withdrawals affect your Guaranteed benefit bases. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_212" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Other Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div id="tx65494_213" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Dollar cost averaging </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We offer a variety of dollar cost averaging programs. Not all of the programs described here are available with each Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract. You may only participate in one program at a time. Each program allows you to gradually allocate amounts to available investment options by periodically transferring approximately the same dollar amount to the investment options you select. Regular allocations to the variable investment options will cause you to purchase more units if the unit value is low and fewer units if the unit value is high. Therefore, you may get a lower average cost per unit over the long term. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">All amounts in a dollar cost averaging program will be transferred at the completion of the time period you select. Currently, our Special DCA programs time periods do not extend beyond 12 months. These plans of investing do not guarantee that you will earn a profit or be protected against losses. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Units measure your value in each variable investment option. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We offer the following dollar cost averaging programs in the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contracts: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Special dollar cost averaging; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Special money market dollar cost averaging; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">General dollar cost averaging; and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Investment simplifier. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The only dollar cost averaging programs that are available to fund your Guaranteed benefits are special dollar cost averaging and special money market dollar cost averaging (together, the “Special DCA programs”). Depending on the Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contract you own, you will have one of </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">the Special DCA programs available to you, but not both. Amounts allocated to a Special DCA program that are designated for future transfers to the Protected Benefit account variable investment options are included in the benefit bases for your Guaranteed benefits. The Special DCA programs allow you to gradually fund your Guaranteed benefits through systematic transfers to the Protected Benefit account variable investment options. Also, you may make systematic transfers to the Investment account variable investment options and the guaranteed interest option. Amounts in the account for special dollar cost averaging are credited with an enhanced interest rate over the time period selected. Amounts in the account for special money market dollar cost averaging are immediately invested in the EQ/Money Market variable investment option. Only new contributions may be allocated to a Special DCA program. For information on how a Special DCA program may affect certain Guaranteed benefits, see “Guaranteed minimum income benefit” and “Guaranteed minimum death benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">General dollar cost averaging and Investment simplifier, on the other hand, can only be used for systematic transfers to your Investment account variable investment options. Our Investment simplifier program is available for scheduled transfers from the guaranteed interest option to the Investment account variable investment options. Our General dollar cost averaging program is available for scheduled transfers from the EQ/Money Market variable investment option to the Investment account variable investment options. Below, we provide detail regarding each of the programs. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Generally, you may not elect both a dollar cost averaging program and a rebalancing option. The only exception is if you elect our Investment simplifier program with Option I under our rebalancing programs, which does not rebalance amounts in the guaranteed interest option. For more information on our rebalancing programs, see “Rebalancing among your Investment account variable investment options and guaranteed interest option” in “Transferring your money among investment options.” </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We do not deduct a transfer charge for any transfer made in connection with our dollar cost averaging programs. We may, at any time, exercise our right to terminate transfers to any of the variable investment options and to limit the number of variable investment options which you may elect. Not all dollar cost averaging programs are available in all states. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, including information on the availability of our dollar cost averaging programs in your state, see Appendix “State contract availability and/or variations of certain features and benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Our Special DCA programs. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">We currently offer the “Special dollar cost averaging program” under the Series B and Series L contracts and the “Special money market dollar cost averaging program” under the Series C, Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> and Series ADV contracts. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Special dollar cost averaging </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under the special dollar cost averaging program, you may dollar cost average from the account for special dollar cost averaging, which is part of the general account. We credit </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">daily interest, which will never be less than 2% or the guaranteed lifetime minimum rate for the guaranteed interest option, whichever is greater, to amounts allocated to this account. Currently, the guaranteed lifetime minimum rate is 1.00%. We guarantee to pay the current interest rate that is in effect on the date that your contribution is allocated to this account. That interest rate will apply to that contribution as long as it remains in the account for special dollar cost averaging. The guaranteed interest rate for the time period that you select will be shown in your contract for your initial contribution. We set the interest rates periodically, based on our discretion and according to procedures that we have. We reserve the right to change these procedures. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We will transfer amounts from the account for special dollar cost averaging into the investment options you designate over an available time period that you select. If the special dollar cost averaging program is selected at the time of the application to purchase the contract, a 60 day rate lock will apply from the date of application. Any contribution(s) received during this 60 day period will be credited with the interest rate offered on the date of application for the duration of the time period selected at application. Any contribution(s) received after the 60 day rate lock period has ended will be credited with the then current interest rate for the duration of the time period selected at application. Contribution(s) made to the account for special dollar cost averaging after the contract has been issued will be credited with the then current interest rate on the date the contribution is received by us for the time period initially selected by you. Once the time period you selected has ended, you may select another time period for future contributions. At that time, you may also select a different allocation for transfers to the investment options, or, if you wish, we will continue to use the allocation that you previously made. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Special money market dollar cost averaging </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under the special money market dollar cost averaging program, you may dollar cost average from the account for special money market dollar cost averaging, which is part of the EQ/Money Market variable investment option. We will transfer amounts from the account for special money market dollar cost averaging into the Protected Benefit account variable investment options, the Investment account variable investment options and the guaranteed interest option over an available time period that you select. One of the primary benefits of the special money market dollar cost averaging program is that amounts in the program designated for the Protected Benefit account variable investment options count toward your Guaranteed benefits on the business day you establish the program. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Under both Special DCA programs, the following applies: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Initial contributions to a Special DCA program must be at least $2,000; subsequent contributions to an existing Special DCA program must be at least $250; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Subsequent contributions to an existing program do not extend the time period of the program; </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Contributions into a Special DCA program must be new contributions; you may not make transfers from amounts allocated to other investment options to initiate a Special DCA program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">We offer time periods of 3, 6 or 12 months. We may also offer other time periods. You may only have one time period in effect at any time and once you select a time period, you may not change it; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Contributions to a Special DCA program may be designated for the Protected Benefit account variable investment options, the Investment account variable investment options and/or the guaranteed interest option, subject to the following: </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If you want to take advantage of one of our Special DCA programs, 100% of your contribution must be allocated to either the account for special dollar cost averaging or the account for special money market dollar cost averaging. In other words, your contribution cannot be split between the Special DCA program and any other investment options available under the contract. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt"> </td> <td style="width:18.75pt;vertical-align:top;text-align:left">—</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">If you want to dollar cost average into the guaranteed interest option, 100% of your contribution must be allocated to the Special DCA program. Up to 25% of your Special DCA program may be designated for the guaranteed interest option, even if such a transfer would result in more than 25% of your Total account value being allocated to the guaranteed interest option. See “Transferring your account value” in “Transferring your money among investment options”; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your instructions for the program must match your allocation instructions on file on the day the program is established. If you change your allocation instructions on file while the Special DCA program is in effect, the ratio of amounts allocated to the Protected Benefit account to amounts allocated to the Investment account will not change. However, amounts will be allocated within each account according to your new instructions; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Your Guaranteed benefit base(s) will be increased to reflect any contribution to the Special DCA program that you have instructed us to transfer to the Protected Benefit account variable investment options. The Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate (or Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate, if applicable) in effect on your contract will apply immediately to any contribution that is designated to be transferred to the Protected Benefit account variable investment options. For Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts, the Annual <div style="white-space:nowrap;display:inline;">Roll-up</div> rate (or Deferral bonus <div style="white-space:nowrap;display:inline;">Roll-up</div> rate, if applicable) in effect will not be applied to credits associated with contributions allocated to the Special DCA program that are designated to be transferred to the Protected Benefit account variable investment options; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">•</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt;font-weight:bold;text-align:left">If we exercise our right to discontinue the acceptance of, and/or place additional limitations on, contributions and transfers into the Protected Benefit account variable investment options, and your Special DCA program has transfers scheduled </div></td></tr></table><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt;font-weight:bold">to the Protected Benefit account variable investment options, the program will continue for its duration. However, subsequent contributions to any Protected Benefit account variable investment options under a Special DCA program will not be permitted; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">•</div></td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left"><div style="font-weight:bold;display:inline;">If you have one or more Guaranteed benefits and we exercise our right to discontinue the acceptance of, and/or place additional limitations on, contributions to the contract and/or contributions and/or transfers into the Protected Benefit account variable investment options, you may no longer be able to fund your Guaranteed benefit(s). This means that if you have not yet allocated amounts to the Protected Benefit account variable investment options, you may not be able to fund your Guaranteed benefit(s). This also means that if you have already funded your Guaranteed benefits by allocating amounts to the Protected Benefit account variable investment options, you may no longer be able to increase your Protected Benefit account value and the benefit bases associated with your Guaranteed benefits through contributions and transfers; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">We will transfer all amounts by the end of the chosen time period. The transfer date will be the same day of the month as the contract date, but not later than the 28th day of the month. For a Special DCA program selected after application, the first transfer date and each subsequent transfer date for the time period selected will be one month from the date the first contribution is made into the Special DCA program, but not later than the 28th day of the month. The only transfers that will be made are your regularly scheduled transfers to the variable investment options. If you request to transfer any other amounts from your Special DCA program, we will transfer all of the value that you have remaining in the account to the investment options according to the allocation percentages for the Special DCA program that we have on file for you; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Except for withdrawals made under our Automatic RMD withdrawal service or our other automated withdrawal programs (systematic withdrawals and substantially equal withdrawals), or for the assessment of contract charges, any unscheduled partial withdrawal from your Special DCA program will terminate your Special DCA program. Any amounts remaining in the account after the program terminates will be transferred to the destination investment options according to your Special DCA program allocation instructions. Any withdrawal which results in a reduction in the Special DCA program amount previously included in your Guaranteed benefit bases will reduce the Guaranteed benefit bases as described. See “How withdrawals affect your Guaranteed benefits”; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">For contracts with the GMIB, ATP transfers are not taken out of amounts allocated to a Special DCA program. Please see ‘‘Asset transfer program (‘‘ATP’’)’’; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">Generally, you may not elect both a dollar cost averaging program and a rebalancing option. The only exception is if you elect our Investment simplifier program with Option </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;color:#000000;text-align:left"> </td> <td style="width:0.75pt"> </td> <td style="vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; font-family:arial; font-size:10pt">I under our rebalancing programs, which does not rebalance amounts in the guaranteed interest option. See “Rebalancing among your Investment account variable investment options and guaranteed interest option” in “Transferring your money among investment options” to learn more about rebalancing; </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">All of the dollar cost averaging programs available under your Retirement Cornerstone<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> Series contracts can be selected if you enrolled in our Systematic transfer program. However, no amounts will be transferred out of a Special DCA program as part of the Systematic transfer program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">A Special DCA program may not be in effect at the same time as a general dollar cost averaging program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">The only dollar cost averaging program available to fund your Guaranteed benefits is a Special DCA program; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">You may cancel your participation at any time. If you terminate your Special DCA program, we will allocate any remaining amounts in your Special DCA program pursuant to your program allocations on file; </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">If you are dollar cost averaging into the Protected Benefit account variable investment options when you decide to drop all Guaranteed benefits (“post-funding drop”), we will default future transfers designated for the Protected Benefit account variable investment options to the corresponding Investment account variable investment options that invest in the same underlying Portfolios. Also, you can cancel your Special DCA program and accelerate all transfers to the corresponding Investment account variable investment options. See “Dropping or changing your Guaranteed benefits” and Appendix “Dropping or changing your Guaranteed benefits” for more information; and </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:17.25pt;vertical-align:top;text-align:left">•</td> <td style="width:0.75pt;vertical-align:top"> </td> <td style="vertical-align:top;text-align:left">We may offer these programs in the future with transfers on a different basis. Your financial professional can provide information in the time periods and interest rates currently available in your state, or you may contact our processing office. </td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">General dollar cost averaging program </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If your value in the EQ/Money Market variable investment option is at least $5,000, you may choose, at any time, to have a specified dollar amount or percentage of your value transferred from that option to any of the Investment account variable investment options. For a <div style="white-space:nowrap;display:inline;"><div style="white-space:nowrap;display:inline;">state-by-state</div></div> description of all material variations of this contract, including information on the availability of our general dollar cost averaging program, see Appendix “State contract availability and/or variations of certain features and benefits”. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can select to have transfers made on a monthly, quarterly or annual basis. The transfer date will be the same calendar day of the month as the contract date, but not later than the 28th day of the month. You can also specify the number of transfers or instruct us to continue making the transfers until all amounts in the EQ/Money Market variable investment option have been transferred out. The minimum amount that we will transfer each time is $250. The instructions for the program may differ from your allocation instructions on file. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If, on any transfer date, your value in the EQ/Money Market variable investment option is equal to or less than the amount you have elected to have transferred, the entire amount will be transferred. The general dollar cost averaging program will then end. You may change the transfer amount once each contract year or cancel this program at any time. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You may not participate in our optional rebalancing programs if you elect the general dollar cost averaging program. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold"><div style="font-style:italic;display:inline;">Investment simplifier </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Fixed-dollar option. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">Under this option, you may elect to have a fixed-dollar amount transferred out of the guaranteed interest option and into the Investment account variable investment options of your choice. Transfers may be made on a monthly, quarterly or annual basis. You can specify the number of transfers or instruct us to continue to make transfers until all available amounts in the guaranteed interest option have been transferred out. </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In order to elect the fixed-dollar option, you must have a minimum of $5,000 in the guaranteed interest option on the date we receive your election form at our processing office. The transfer date will be the same calendar day of the month as the contract date but not later than the 28th day of the month. The minimum transfer amount is $50. Unlike the account for special dollar cost averaging, the fixed dollar option does not offer enhanced rates. Also, this option is subject to the guaranteed interest option transfer limitations described under “Transferring your account value” in “Transferring your money among investment options”. While the program is running, any transfer that exceeds those limitations will cause the program to end for that contract year. You will be notified if this occurs. You must send in a request form to resume the program in the next or subsequent contract years. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If, on any transfer date, your value in the guaranteed interest option is equal to or less than the amount you have elected to have transferred, the entire amount will be transferred, provided the transfer complies with the same guaranteed interest option transfer limitations referenced above. If the transfer does not comply with the transfer limitations, the transfer will not be made and the program will end. You may change the transfer amount once each contract year or cancel this program at any time. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Interest sweep option. </div></div></div><div style="font-family:arial; font-size:10pt;display:inline;">Under this option, you may elect to have monthly transfers from amounts in the guaranteed interest option into the Investment account variable investment options of your choice. The transfer date will be the last business day of the month. The amount we will transfer will be the interest credited to amounts you have in the guaranteed interest option from the last business day of the prior month to the last business day of the current month. You must have at least $7,500 in the guaranteed interest option on the date we receive your election. If the amount in the guaranteed interest option falls below $7,500 at the </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">beginning of the month, no transfer will be made that month. We will automatically cancel the interest sweep program if the amount in the guaranteed interest option is less than $7,500 on the last day of the month for two months in a row. For the interest sweep option, the first monthly transfer will occur on the last business day of the month following the month that we receive your election form at our processing office. Transfers under the Interest sweep option are subject to the guaranteed interest option transfer limitations described under “Transferring your account value” in “Transferring your money among investment options”. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_214" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Rebalancing among your Investment account variable investment options and guaranteed interest option </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We offer two rebalancing programs that you can use to automatically reallocate your Investment account value among your Investment account variable investment options and the guaranteed interest option. Option I allows you to rebalance your Investment account value among the Investment account variable investment options. Option II allows you to rebalance your Investment account value among the Investment account variable investment options and the guaranteed interest option. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">To enroll in one of our rebalancing programs, you must notify us in writing or through Equitable Client portal and tell us: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(a)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">the percentage you want invested in each investment option (whole percentages only), and </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:18pt;vertical-align:top;text-align:left">(b)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:arial;text-align:left">how often you want the rebalancing to occur (quarterly, semiannually, or annually on a contract year basis). </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Rebalancing will occur on the same day of the month as the contract date. If a contract is established after the 28th, rebalancing will occur on the first business day of the month following the contract date. If you elect quarterly rebalancing, the rebalancing in the last quarter of the contract year will occur on the contract date anniversary. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Once it is available, you may elect or terminate the rebalancing program at any time. You may also change your allocations under the program at any time. Once enrolled in the rebalancing program, it will remain in effect until you instruct us in writing to terminate the program. Requesting an investment option transfer while enrolled in our rebalancing program will not automatically change your allocation instructions for rebalancing your account value. This means that upon the next scheduled rebalancing, we will transfer amounts among your investment options pursuant to the allocation instructions previously on file for your program. Changes to your allocation instructions for the rebalancing program (or termination of your enrollment in the program) must be in writing and sent to our processing office. Termination requests can be made online through Equitable Client portal. See “How to reach us” in “The Company”. There is no charge for the rebalancing feature. </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-style:italic;display:inline;">Rebalancing does not assure a profit or protect against loss. You should periodically review your allocation percentages as your needs change. You may want to discuss the rebalancing program with your financial professional before electing the program. </div></div><div style="line-height:7.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:4pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">While your rebalancing program is in effect, we will transfer amounts among the applicable investment options so that the percentage of your Investment account value that you specify is invested in each option at the end of each rebalancing date. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you select Option II, you will be subject to our rules regarding transfers from the guaranteed interest option to the Investment account variable investment options. These rules are described in “Transferring your account value”. Under Option II, a transfer into or out of the guaranteed interest option to initiate the rebalancing program will not be permitted if such transfer would violate these rules. If this occurs, the rebalancing program will not go into effect. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You may not elect Option II if you are participating in any dollar cost averaging program. You may not elect Option I if you are participating in special money market dollar cost averaging or general dollar cost averaging. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Our optional rebalancing programs are not available for amounts allocated to the Protected Benefit account variable investment options. For information about rebalancing among the Protected Benefit account variable investment options, see “Rebalancing among your Protected Benefit account variable investment options” in this section. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_215" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Rebalancing among your Protected Benefit account variable investment options </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You can rebalance your Protected Benefit account value by submitting a request to rebalance as of the date we receive your request, however, scheduled recurring rebalancing is not available. Therefore, any subsequent rebalancing transactions would require a subsequent rebalancing request. Your rebalance request must indicate the percentage you want rebalanced in each investment option (whole percentages only). You can rebalance only to the investment options available in your Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">When we rebalance your Protected Benefit account, we will transfer amounts among the investment options so that the percentage of your account value in each option at the end of the rebalancing date matches the most recent allocation instructions that we have on file. Rebalancing does not assure a profit or protect against loss, so you should periodically review your allocation percentages as your needs change. Amounts in the ATP Portfolio are excluded from rebalancing. </div> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following tables summarize important information about the benefits available under the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Death Benefits</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These death benefits are available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt;width:100%;border-spacing:0"> <tr> <td style="width:11%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td> <td style="vertical-align:bottom"></td> <td style="width:7%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom"></td> <td style="width:32%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Name of Benefit</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Purpose</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Standard/</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Optional</div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Annual Fee</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Brief Description of Restrictions/Limitations</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Max</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Current</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Return of Principal Death Benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees beneficiaries will receive a benefit at least equal to your contributions less adjusted withdrawals.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Standard</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Additional<br/> <div style="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:arial;text-align:center">Charge</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Withdrawals, including the withdrawal of advisory fees, could significantly reduce or terminate benefit</div></div></div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Highest Anniversary Value Death Benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Locks in highest adjusted anniversary account value as minimum death benefit.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">0.35%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Withdrawals, including the withdrawal of advisory fees, could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit or the “Greater of” Death Benefit</div></div></div></td></tr> <tr style="font-size:1pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; padding-left:8pt;height:1.5pt"> </td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="height:1.5pt"></td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">“Greater of” Death Benefit</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees the beneficiaries will receive at least the greater of the <div style="white-space:nowrap;display:inline;">Roll-up</div> benefit base and the Highest Anniversary Value benefit base.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">1.05%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Excess withdrawals, including the withdrawal of advisory fees, could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Subject to restrictions on investment options</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit or the Highest Anniversary Value Death Benefit</div></div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Expressed as an annual percentage of the benefit base. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Living Benefit</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">This living benefit is available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0;margin:0 auto"> <tr> <td style="width:11%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:33%"></td> <td style="vertical-align:bottom"></td> <td style="width:7%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:32%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td rowspan="2" style="BORDER:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Name of Benefit</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Purpose</div></td> <td rowspan="2" style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Standard/</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Optional</div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Annual Fee</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Brief Description of Restrictions/Limitations</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Max</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Current</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt;background-color:#cceeff"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top">Guaranteed minimum income benefit (GMIB)</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Guarantees a minimum annuitization value to provide lifetime retirement income.</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Standard</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">2.00%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">1.05%<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Excess withdrawals, including the withdrawal of advisory fees, could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Subject to restrictions on investment options</div></div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Expressed as an annual percentage of the benefit base. </div></td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;">31 </div></div><div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-family:arial; font-size:9pt;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;">Other Benefits</div></div></div><div style="font-family:arial; font-size:10pt;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">These other benefits are available during the accumulation phase: </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:11%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:37%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:7%"></td> <td style="vertical-align:bottom;width:2%"></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:35%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td rowspan="2" style="BORDER:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Name of Benefit</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Purpose</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Standard/</div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center">Optional</div></td> <td style=" BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Annual Fee</div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Brief Description of Restrictions/Limitations</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Max</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Current</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:arial">Rebalancing Option I<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1) </div>and Option II<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div></div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Periodically rebalance to your desired asset mix.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Charge</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Not generally available with DCA</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Account value in the Protected Benefit account cannot be rebalanced</div></div></div></td></tr> <tr style="font-size:1pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; padding-left:8pt;height:1.5pt"> </td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="2" style="BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td> <td colspan="4" style="height:1.5pt"></td> <td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:1.5pt"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:10pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:arial">Dollar Cost Averaging (special DCA, general DCA, and Investment Simplifier)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">Transfer account value to selected investment options on a regular basis to potentially reduce the impact of market volatility.</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Optional</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="3" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">No Charge</td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:top"><div style="display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Not generally available with Rebalancing</div></div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Option I allows you to rebalance your Investment account value among the Investment account variable investment options. </div></td></tr></table><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(2)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">Option II allows you to rebalance your Investment account value among the Investment account variable investment options and the guaranteed interest option. </div></td></tr></table> Return of Principal Death Benefit Guarantees beneficiaries will receive a benefit at least equal to your contributions less adjusted withdrawals. true 0 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Withdrawals, including the withdrawal of advisory fees, could significantly reduce or terminate benefit</div></div></div> Highest Anniversary Value Death Benefit Locks in highest adjusted anniversary account value as minimum death benefit. true 0.0035 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Withdrawals, including the withdrawal of advisory fees, could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit or the “Greater of” Death Benefit</div></div></div> “Greater of” Death Benefit Guarantees the beneficiaries will receive at least the greater of the <div style="white-space:nowrap;display:inline;">Roll-up</div> benefit base and the Highest Anniversary Value benefit base. true 0.02 0.0105 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Available only at contract purchase</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Excess withdrawals, including the withdrawal of advisory fees, could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Subject to restrictions on investment options</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">If elected, you will not get the Return of Principal Death Benefit or the Highest Anniversary Value Death Benefit</div></div></div> Guaranteed minimum income benefit (GMIB) Guarantees a minimum annuitization value to provide lifetime retirement income. true 0.02 0.0105 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Restricted to owners of certain ages</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Excess withdrawals, including the withdrawal of advisory fees, could significantly reduce or terminate benefit</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Subject to restrictions on investment options</div></div></div> Rebalancing Option I<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(1) </div>and Option II<div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">(2)</div> Periodically rebalance to your desired asset mix. true 0 <div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Not generally available with DCA</div></div></div><div style="margin-top:0pt;margin-bottom:0pt; display: table-row"><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Account value in the Protected Benefit account cannot be rebalanced</div></div></div> Dollar Cost Averaging (special DCA, general DCA, and Investment Simplifier) Transfer account value to selected investment options on a regular basis to potentially reduce the impact of market volatility. true 0 <div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.700000em; font-size:10pt; font-family:arial">•</div></div><div style="display: table-cell"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.005000em; font-size:10pt; font-family:arial">Not generally available with Rebalancing</div></div> <div id="tx65494_250" style="margin-top:0pt; margin-bottom:0pt; font-size:17.5pt; font-family:arial"><div style="font-weight:bold;display:inline;">3.</div> Principal Risks of Investing in the Contract </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The risks identified below are the principal risks of investing in the contract. The contract may be subject to additional risks other than those identified and described in this Prospectus. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_333i" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Risks Associated with Variable Investment Options</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You take all the investment risk for amounts allocated to one or more of the subaccounts, which invest in Portfolios. If the subaccounts you select increase in value, then your Total account value goes up; if they decrease in value, your Total account value goes down. How much your Total account value goes up or down depends on the performance of the Portfolios in which your subaccounts invest. We do not guarantee the investment results of any Portfolio. An investment in the contract is subject to the risk of poor investment performance, and the value of your investment can vary depending on the performance of the selected Portfolio(s), each of which has its own unique risks. You should review the Portfolios before making an investment decision. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_334o" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Insurance Company Risk</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">No company other than us has any legal responsibility to pay amounts that we owe under the contract including amounts allocated to the guaranteed interest option. The general obligations and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. You should look solely to our financial strength for our claims-paying ability. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_335p" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Possible Fees on Access to Total Account Value</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We may apply fees if you access your Total account value during the accumulation period or surrender your contract. For example, in addition to possible tax consequences, you may incur fees for accessing your Total account value such as a withdrawal charge, transfer fee, annual administrative expense, base contract expense, and/or a charge for any optional benefits. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_336" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Possible Adverse Tax Consequences</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The tax considerations associated with the contract vary and can be complicated. The applicable tax rules can differ, depending on the type of contract, whether NQ, traditional IRA, Roth IRA or QP. The tax consequences discussed in this Prospectus are general in nature and describe only federal income tax law (not state, local, foreign or other federal tax laws). Moreover, the tax aspects that apply to a particular person’s contract may vary depending on the facts applicable to that person. Tax rules may change without notice. We cannot predict whether, when, or how these rules could change. Any change could affect contracts purchased before the change. Congress may also consider further proposals to comprehensively reform or overhaul the United States tax and retirement systems, which if enacted, could affect the tax benefits of a contract. We cannot predict what, if any, legislation will actually be proposed or enacted. Before making contributions to your contract or taking other action related to your contract, you should consult with a </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">tax professional to determine the tax implications of an investment in, and payments received under, the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals are generally subject to income tax, and may be subject to tax penalties if taken before age 59<div style="vertical-align:top;display:inline;font-size:9.2px">1</div>⁄<div style="vertical-align:bottom;display:inline;font-size:9.2px">2</div>. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_337" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Not a Short-Term Investment</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle and you should consider whether investing in the contract is consistent with the purpose for which the investment is being considered. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_338" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Risk of Loss</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">All investments have risks to some degree and it is possible that you could lose money by investing in the contract. An investment in the contract is not a deposit with a bank and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_339" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Optional Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Investment options are limited if Guaranteed benefits are elected. Guaranteed benefits are funded through the Protected Benefit account variable investment options and once a withdrawal is taken from the Protected Benefit account, you cannot make additional contributions to the Protected Benefit account. We may limit or stop accepting contributions and transfers to the Protected Benefit account variable investment options which means you may no longer be able to increase your Protected Benefit account value and the benefit bases associated with your Guaranteed benefits through contributions and transfers. Excess withdrawals may terminate or significantly reduce the value of your optional benefits. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_963a" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Contract Changes Risk</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We may, at any time, exercise our rights to limit or terminate your contributions, allocations and transfers to any of the variable investment options (including the Protected Benefit account variable options). We reserve the right, subject to compliance with laws that apply, to remove variable investment options from the Separate Account, to combine any two or more variable investment options, to restrict or eliminate any voting rights as to the Separate Account, to limit or terminate contributions or transfers into any of the variable investment options, and to limit the number of variable investment options you may select. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You should evaluate whether our ability to make the changes described above, and your ability to react to such changes, are appropriate based on your investment goals. When such changes occur, you should also evaluate whether those changes are appropriate based on your investment goals and, if not, you should evaluate your </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">options under the Contract, which may be limited and may have negative consequences associated with them, as described in this section. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_340" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Series CP</div><div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="font-family:arial;display:inline;"><div style="font-weight:bold;display:inline;"></div></div><div style="font-weight:bold;display:inline;"> Contracts </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The fees and charges for Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts are higher than for Series B contracts and the amount of the credit may be more than offset by these higher fees and charges. Credits may be recaptured upon free look, annuitization and death. Withdrawals may limit credits for subsequent contributions. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_341" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Limitations on access to cash value through withdrawals </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals may be subject to withdrawal charges, income tax and may be subject to tax penalties if taken before age 59<div style="vertical-align:top;display:inline;font-size:9.2px">1</div>⁄<div style="vertical-align:bottom;display:inline;font-size:9.2px">2</div>. The minimum partial withdrawal amount is $300. Withdrawals will reduce your Total account value and optional benefit bases and the amount of the reduction may be greater than the dollar amount of the withdrawal. Excess withdrawals may terminate or significantly reduce the value of your optional benefits. Certain withdrawals may also terminate your contract. Withdrawals from Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts may limit credits for subsequent contributions. If you take a withdrawal from the Protected Benefit account, you cannot make additional contributions to the Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_963b" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Availability by Financial Intermediary</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">Some financial intermediaries (e.g., selling broker-dealer firms) may not offer and/or may limit the offering of certain investment options, contract benefits, and other contract features based on issue age or other criteria established by the selling broker-dealer. For example, your financial professional may not recommend a particular investment option or contract benefit to you that is described in this Prospectus. Before you purchase the contract, you should discuss with your financial professional any limitations, restrictions, or other variations related to the investment options, contract benefits or other contract features available to you through your financial professional. If a particular feature that interests you is not recommended through your broker-dealer, you may want to contact us to explore its availability. </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_133a" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Advisory Fees </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you purchase a Series ADV contract and elect to pay the advisory fee from your account value, then this deduction will be treated as a withdrawal and will reduce the standard death benefit and Guaranteed benefits, and may also be subject to federal and state income taxes and a 10% federal penalty tax. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div id="tx65494_963c" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Business </div><div style="font-weight:bold;display:inline;">D</div><div style="font-weight:bold;display:inline;">isruption, Cybersecurity, and Artificial Intelligence (“AI”) Technologies Risks</div><div style="font-weight:bold;display:inline;"></div><div style="font-weight:bold;display:inline;"></div><div style="font-weight:bold;display:inline;"></div><div style="font-weight:bold;display:inline;"></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We rely heavily on technology, including interconnected computer systems and data storage networks and digital communications, to conduct our business. Because our business is highly dependent upon the effective operation of our computer systems and those of our service providers and other business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyberattacks. Cyberattacks may be systemic (e.g., affecting the </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">internet, cloud services, or other infrastructure) or targeted (e.g., failures in or breach of our systems or those of third parties on whom we rely, including ransomware and malware attacks). Cybersecurity risks include, among other things, the loss, theft, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on our websites (or the websites of third parties on whom we rely), other operational disruption and unauthorized release, use or abuse of confidential customer information. The risk of cyberattacks may be higher during periods of geopolitical turmoil. Due to the increasing sophistication of cyberattacks, a cybersecurity breach could occur and persist for an extended period of time without detection. Systems failures and cyberattacks, as well as, any other catastrophic event, including natural and man-made disasters, public health emergencies, pandemic diseases, terrorist attacks, floods or severe storms affecting us, any third-party administrator, the underlying funds, intermediaries and other affiliated or third-party service providers may adversely affect us, our business operations and your account value and interfere with our ability to process contract transactions and calculate account values. Systems failures and cyberattacks may also interfere with our processing of contract transactions, including the processing of orders from our website or with the underlying funds, impact our ability to calculate account values and unit values and/or the underlying funds to be unable to calculate share values, cause the release or possible destruction of confidential customer and/or business information, impede order processing or cause other operational issues, subject us and/or our service providers and intermediaries to regulatory fines, litigation and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the underlying funds invest, which may cause the underlying funds to lose value. The preventative actions we take to reduce the frequency and severity of cybersecurity incidents and protect our computer systems may be insufficient to prevent a cybersecurity breach from impacting our operations or your contract value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid cybersecurity breaches affecting your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The development and deployment of AI tools and technologies, including generative AI, and its use and anticipated use by us or by third parties on whom we rely, may increase our existing operational risks or create new operational risks that we are not currently anticipating. AI and generative AI may be misused by us or by third parties upon which we rely, and that risk is increased by the relative newness of the technology, the speed at which it is being adopted, and the uncertain and evolving policy and regulatory landscape governing its use. Such misuse could expose us to legal or regulatory risk. Because the generative AI technology is so new, many of the potential risks of generative AI are currently unknowable. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In addition, we are also exposed to risks related to natural and man-made disasters, including, but not limited to, the occurrence of any storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts or any other event, which could adversely affect our ability to conduct business. A natural or man-made disaster, including a pandemic such as COVID-19, could result in our workforce, and/</div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">or employees of service providers and/or third-party administrators, being compromised and unable or unwilling to fully perform their responsibilities, which could likewise result in interruptions in our service. This could interfere with our processing of contract transactions, including processing orders from owners and orders with the underlying funds, impact our ability to calculate contract value, or have other adverse impacts on our operations. These events may also negatively affect our service providers and intermediaries, the underlying funds and issuers of securities in which the underlying funds invest, which may cause the funds underlying your contract to lose value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid negative impacts associated with natural and man-made disasters. </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <div id="tx65494_333i" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Risks Associated with Variable Investment Options</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You take all the investment risk for amounts allocated to one or more of the subaccounts, which invest in Portfolios. If the subaccounts you select increase in value, then your Total account value goes up; if they decrease in value, your Total account value goes down. How much your Total account value goes up or down depends on the performance of the Portfolios in which your subaccounts invest. We do not guarantee the investment results of any Portfolio. An investment in the contract is subject to the risk of poor investment performance, and the value of your investment can vary depending on the performance of the selected Portfolio(s), each of which has its own unique risks. You should review the Portfolios before making an investment decision. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx65494_334o" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Insurance Company Risk</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">No company other than us has any legal responsibility to pay amounts that we owe under the contract including amounts allocated to the guaranteed interest option. The general obligations and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. You should look solely to our financial strength for our claims-paying ability. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx65494_335p" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Possible Fees on Access to Total Account Value</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We may apply fees if you access your Total account value during the accumulation period or surrender your contract. For example, in addition to possible tax consequences, you may incur fees for accessing your Total account value such as a withdrawal charge, transfer fee, annual administrative expense, base contract expense, and/or a charge for any optional benefits. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx65494_336" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Possible Adverse Tax Consequences</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The tax considerations associated with the contract vary and can be complicated. The applicable tax rules can differ, depending on the type of contract, whether NQ, traditional IRA, Roth IRA or QP. The tax consequences discussed in this Prospectus are general in nature and describe only federal income tax law (not state, local, foreign or other federal tax laws). Moreover, the tax aspects that apply to a particular person’s contract may vary depending on the facts applicable to that person. Tax rules may change without notice. We cannot predict whether, when, or how these rules could change. Any change could affect contracts purchased before the change. Congress may also consider further proposals to comprehensively reform or overhaul the United States tax and retirement systems, which if enacted, could affect the tax benefits of a contract. We cannot predict what, if any, legislation will actually be proposed or enacted. Before making contributions to your contract or taking other action related to your contract, you should consult with a </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">tax professional to determine the tax implications of an investment in, and payments received under, the contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals are generally subject to income tax, and may be subject to tax penalties if taken before age 59<div style="vertical-align:top;display:inline;font-size:9.2px">1</div>⁄<div style="vertical-align:bottom;display:inline;font-size:9.2px">2</div>. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx65494_337" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Not a Short-Term Investment</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle and you should consider whether investing in the contract is consistent with the purpose for which the investment is being considered. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx65494_338" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Risk of Loss</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">All investments have risks to some degree and it is possible that you could lose money by investing in the contract. An investment in the contract is not a deposit with a bank and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx65494_339" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Optional Benefits </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Investment options are limited if Guaranteed benefits are elected. Guaranteed benefits are funded through the Protected Benefit account variable investment options and once a withdrawal is taken from the Protected Benefit account, you cannot make additional contributions to the Protected Benefit account. We may limit or stop accepting contributions and transfers to the Protected Benefit account variable investment options which means you may no longer be able to increase your Protected Benefit account value and the benefit bases associated with your Guaranteed benefits through contributions and transfers. Excess withdrawals may terminate or significantly reduce the value of your optional benefits. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx65494_963a" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Contract Changes Risk</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We may, at any time, exercise our rights to limit or terminate your contributions, allocations and transfers to any of the variable investment options (including the Protected Benefit account variable options). We reserve the right, subject to compliance with laws that apply, to remove variable investment options from the Separate Account, to combine any two or more variable investment options, to restrict or eliminate any voting rights as to the Separate Account, to limit or terminate contributions or transfers into any of the variable investment options, and to limit the number of variable investment options you may select. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">You should evaluate whether our ability to make the changes described above, and your ability to react to such changes, are appropriate based on your investment goals. When such changes occur, you should also evaluate whether those changes are appropriate based on your investment goals and, if not, you should evaluate your </div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">options under the Contract, which may be limited and may have negative consequences associated with them, as described in this section. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx65494_340" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Series CP</div><div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div><div style="font-family:arial;display:inline;"><div style="font-weight:bold;display:inline;"></div></div><div style="font-weight:bold;display:inline;"> Contracts </div></div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The fees and charges for Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts are higher than for Series B contracts and the amount of the credit may be more than offset by these higher fees and charges. Credits may be recaptured upon free look, annuitization and death. Withdrawals may limit credits for subsequent contributions. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx65494_341" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Limitations on access to cash value through withdrawals </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Withdrawals may be subject to withdrawal charges, income tax and may be subject to tax penalties if taken before age 59<div style="vertical-align:top;display:inline;font-size:9.2px">1</div>⁄<div style="vertical-align:bottom;display:inline;font-size:9.2px">2</div>. The minimum partial withdrawal amount is $300. Withdrawals will reduce your Total account value and optional benefit bases and the amount of the reduction may be greater than the dollar amount of the withdrawal. Excess withdrawals may terminate or significantly reduce the value of your optional benefits. Certain withdrawals may also terminate your contract. Withdrawals from Series CP<div style="font-family:ARIAL;display:inline;"><div style="font-size:75%; vertical-align:top;display:inline;font-size:8.3px">®</div></div> contracts may limit credits for subsequent contributions. If you take a withdrawal from the Protected Benefit account, you cannot make additional contributions to the Protected Benefit account. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx65494_963b" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Availability by Financial Intermediary</div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="display:inline;">Some financial intermediaries (e.g., selling broker-dealer firms) may not offer and/or may limit the offering of certain investment options, contract benefits, and other contract features based on issue age or other criteria established by the selling broker-dealer. For example, your financial professional may not recommend a particular investment option or contract benefit to you that is described in this Prospectus. Before you purchase the contract, you should discuss with your financial professional any limitations, restrictions, or other variations related to the investment options, contract benefits or other contract features available to you through your financial professional. If a particular feature that interests you is not recommended through your broker-dealer, you may want to contact us to explore its availability. </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx65494_133a" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Advisory Fees </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">If you purchase a Series ADV contract and elect to pay the advisory fee from your account value, then this deduction will be treated as a withdrawal and will reduce the standard death benefit and Guaranteed benefits, and may also be subject to federal and state income taxes and a 10% federal penalty tax. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <div id="tx65494_963c" style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial"><div style="font-weight:bold;display:inline;">Business </div><div style="font-weight:bold;display:inline;">D</div><div style="font-weight:bold;display:inline;">isruption, Cybersecurity, and Artificial Intelligence (“AI”) Technologies Risks</div><div style="font-weight:bold;display:inline;"></div><div style="font-weight:bold;display:inline;"></div><div style="font-weight:bold;display:inline;"></div><div style="font-weight:bold;display:inline;"></div> </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">We rely heavily on technology, including interconnected computer systems and data storage networks and digital communications, to conduct our business. Because our business is highly dependent upon the effective operation of our computer systems and those of our service providers and other business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyberattacks. Cyberattacks may be systemic (e.g., affecting the </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">internet, cloud services, or other infrastructure) or targeted (e.g., failures in or breach of our systems or those of third parties on whom we rely, including ransomware and malware attacks). Cybersecurity risks include, among other things, the loss, theft, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on our websites (or the websites of third parties on whom we rely), other operational disruption and unauthorized release, use or abuse of confidential customer information. The risk of cyberattacks may be higher during periods of geopolitical turmoil. Due to the increasing sophistication of cyberattacks, a cybersecurity breach could occur and persist for an extended period of time without detection. Systems failures and cyberattacks, as well as, any other catastrophic event, including natural and man-made disasters, public health emergencies, pandemic diseases, terrorist attacks, floods or severe storms affecting us, any third-party administrator, the underlying funds, intermediaries and other affiliated or third-party service providers may adversely affect us, our business operations and your account value and interfere with our ability to process contract transactions and calculate account values. Systems failures and cyberattacks may also interfere with our processing of contract transactions, including the processing of orders from our website or with the underlying funds, impact our ability to calculate account values and unit values and/or the underlying funds to be unable to calculate share values, cause the release or possible destruction of confidential customer and/or business information, impede order processing or cause other operational issues, subject us and/or our service providers and intermediaries to regulatory fines, litigation and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the underlying funds invest, which may cause the underlying funds to lose value. The preventative actions we take to reduce the frequency and severity of cybersecurity incidents and protect our computer systems may be insufficient to prevent a cybersecurity breach from impacting our operations or your contract value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid cybersecurity breaches affecting your contract. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The development and deployment of AI tools and technologies, including generative AI, and its use and anticipated use by us or by third parties on whom we rely, may increase our existing operational risks or create new operational risks that we are not currently anticipating. AI and generative AI may be misused by us or by third parties upon which we rely, and that risk is increased by the relative newness of the technology, the speed at which it is being adopted, and the uncertain and evolving policy and regulatory landscape governing its use. Such misuse could expose us to legal or regulatory risk. Because the generative AI technology is so new, many of the potential risks of generative AI are currently unknowable. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">In addition, we are also exposed to risks related to natural and man-made disasters, including, but not limited to, the occurrence of any storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts or any other event, which could adversely affect our ability to conduct business. A natural or man-made disaster, including a pandemic such as COVID-19, could result in our workforce, and/</div><div style="clear:both; height:0pt; font-size:0pt"></div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">or employees of service providers and/or third-party administrators, being compromised and unable or unwilling to fully perform their responsibilities, which could likewise result in interruptions in our service. This could interfere with our processing of contract transactions, including processing orders from owners and orders with the underlying funds, impact our ability to calculate contract value, or have other adverse impacts on our operations. These events may also negatively affect our service providers and intermediaries, the underlying funds and issuers of securities in which the underlying funds invest, which may cause the funds underlying your contract to lose value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid negative impacts associated with natural and man-made disasters. </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <div id="tx65494_85" style="margin-top:0pt; margin-bottom:0pt; font-size:17.5pt; font-family:arial">Appendix: Investment options available under the contract </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="line-height:4.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000"> </div><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Variable Investment Options </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following is a list of Portfolio Companies available under the contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at www.equitable.com/ICSR#EQH150064. You can request this information at no cost by calling 1-877-522-5035 or by sending an email request to EquitableFunds@dfinsolutions.com. If you elect a Guaranteed benefit, you may only invest in the Portfolios listed in the Protected Benefit account table below. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The current expenses and performance information below reflects fee and expenses of the Portfolios, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Affiliated Portfolio Companies: </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:64%"></td> <td style="vertical-align:bottom"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Current</div></div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Expenses</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">TYPE</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="font-weight:bold;display:inline;">Portfolio Company - Investment Adviser; </div><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Sub-Adviser(s),</div> as applicable</div></div><div style="font-weight:bold;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">1 year</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">5 year</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">10 year</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1290 VT Equity Income — Equitable Investment Management Group, LLC (“EIMG”); Barrow, Hanley, Mewhinney & Strauss, LLC d/b/a Barrow Hanley Global Investors</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.95%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.25%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1290 VT GAMCO Mergers & Acquisitions — EIMG; GAMCO Asset Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.29%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.91%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.70%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.38%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1290 VT GAMCO Small Company Value — EIMG; GAMCO Asset Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.05%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.82%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.24%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1290 VT High Yield Bond — EIMG; AXA Investment Managers US Inc., Post Advisory Group, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.02%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.54%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.92%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1290 VT Natural Resources — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">28.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.06%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1290 VT Real Estate — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.67%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.69%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.28%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1290 VT Small Cap Value — EIMG; BlackRock Investment Management, LLC, Horizon Kinetics Asset Management LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.23%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.11%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.44%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.19%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1290 VT SmartBeta Equity ESG — EIMG; AXA Investment Managers US Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.95%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.21%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.74%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/AB Dynamic Moderate GrowthΔ — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.13%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.46%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.31%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/AB Small Cap Growth — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.92%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.21%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.43%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Aggressive Allocation† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.97%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.79%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Aggressive Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.01%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.61%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/All Asset Growth Allocation — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.25%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.18%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.12%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.28%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/American Century Mid Cap Value — EIMG; American Century Investment Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.72%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.64%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Balanced Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.05%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.68%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Capital Group Research — EIMG; Capital International, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.95%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.83%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.80%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.00%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/ClearBridge Large Cap Growth ESG — EIMG; ClearBridge Investments, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.69%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.47%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.63%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/ClearBridge Select Equity Managed Volatility† — EIMG; BlackRock Investment Management, LLC, ClearBridge Investments, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.06%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.42%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.21%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Common Stock Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.67%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.30%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.50%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.54%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Conservative Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.76%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Conservative Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.95%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.86%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.93%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Core Bond Index(1) — EIMG; SSGA Funds Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.62%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.43%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.35%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.70%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Core Plus Bond — EIMG; Brandywine Global Investment Management, LLC, Loomis, Sayles & Company, L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.93%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.58%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.68%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Emerging Markets Equity PLUS — EIMG; AllianceBernstein L.P., EARNEST Partners, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.20%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33.46%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.64%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Equity 500 Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.53%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.24%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.79%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.16%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Fidelity Institutional AM® Large Cap — EIMG; FIAM LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.87%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">18.34%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.86%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:64%"></td> <td style="vertical-align:bottom"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Current</div></div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Expenses</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">TYPE</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="font-weight:bold;display:inline;">Portfolio Company - Investment Adviser; </div><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Sub-Adviser(s),</div> as applicable</div></div><div style="font-weight:bold;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">1 year</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">5 year</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">10 year</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Franklin Rising Dividends — EIMG; Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.87%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.84%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.50%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Franklin Small Cap Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC, Franklin Mutual Advisers, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.05%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.11%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.71%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Global Equity Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.08%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.14%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.33%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Goldman Sachs Mid Cap Value — EIMG; Goldman Sachs Asset Management L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.09%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.22%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.66%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Goldman Sachs Moderate Growth AllocationΔ — EIMG; Goldman Sachs Asset Management L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.02%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.02%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.76%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.44%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.61%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Intermediate Government Bond(1) — EIMG; SSGA Funds Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.62%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.54%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.30%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/International Core Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.06%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.52%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/International Equity Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31.53%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.91%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/International Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC, Harris Associates LP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.04%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.75%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Invesco Comstock — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.99%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.71%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Invesco Global — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.95%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.59%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Invesco Global Real Assets — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.16%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.11%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Janus Enterprise — EIMG; Janus Henderson Investors US LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.04%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.05%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.06%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/JPMorgan Growth Stock — EIMG; J.P. Morgan Investment Management Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.96%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.76%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.43%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/JPMorgan Value Opportunities — EIMG; J.P. Morgan Investment Management Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.95%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.77%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Large Cap Growth Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.71%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.74%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.51%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.26%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Large Cap Growth Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.87%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.64%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.01%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Large Cap Value Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.74%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.52%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Large Cap Value Managed Volatility† — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.86%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.62%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.69%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Lazard Emerging Markets Equity — EIMG; Lazard Asset Management LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.35%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">42.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.84%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Loomis Sayles Growth — EIMG; Loomis, Sayles & Company, L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.03%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.72%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.87%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/MFS International Growth — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">20.90%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.90%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/MFS International Intrinsic Value — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32.95%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.99%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/MFS Mid Cap Focused Growth — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.60%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.09%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/MFS Technology — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.24%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.06%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/MFS Utilities Series — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.05%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.65%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.33%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Mid Cap Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.64%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">^</div> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.80%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.42%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.99%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Mid Cap Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.62%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.20%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Moderate Allocation† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.08%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.20%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.12%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Moderate Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.98%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.83%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.67%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Moderate-Plus Allocation† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.11%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.50%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.88%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.67%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Cash/Cash Equivalent</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Money Market* — EIMG; Dreyfus, a division of Mellon Investments Corporation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.67%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.79%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/PIMCO Global Real Return — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.74%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.52%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.90%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/PIMCO Real Return — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.22%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.95%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.24%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/PIMCO Total Return ESG — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.75%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.70%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.14%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/PIMCO Ultra Short Bond — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.80%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.93%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Small Company Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.63%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.57%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.16%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.44%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/T. Rowe Price Health Sciences — EIMG; T. Rowe Price Associates, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.20%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.21%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.62%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Ultra Conservative Strategy†# — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.25%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:64%"></td> <td style="vertical-align:bottom"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Current</div></div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Expenses</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">TYPE</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="font-weight:bold;display:inline;">Portfolio Company - Investment Adviser; </div><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Sub-Adviser(s),</div> as applicable</div></div><div style="font-weight:bold;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">1 year</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">5 year</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">10 year</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Value Equity — EIMG; Aristotle Capital Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.91%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.01%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.65%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Wellington Energy — EIMG; Wellington Management Company LLP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.19%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.90%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Equitable Conservative Growth MF/ETF Portfolio — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.03%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.95%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Multimanager Aggressive Equity — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.99%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.30%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.47%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">^</div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left"><div style="display:inline;">This Portfolio’s annual expenses reflect temporary fee reductions. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">Δ</div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left"><div style="display:inline;">Certain other affiliated Portfolios, as well as unaffiliated Portfolios, may utilize volatility management techniques (including Fund of Fund Portfolios that invest in other Portfolios that utilize volatility management techniques) that differ from the EQ volatility management strategy. Affiliated Portfolios that utilize these volatility management techniques are identified in the chart by a “<div style="font-family:Times New Roman;display:inline;">Δ</div>”. Any such unaffiliated Portfolio is not identified in the chart. See “Portfolios of the Trusts” for more information regarding volatility management. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">†</div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left"><div style="display:inline;">EQ Managed Volatility Portfolios that include the EQ volatility management strategy as part of their investment objective and/or principal investment strategy, and the EQ/affiliated Fund of Fund Portfolios that invest in Portfolios that use the EQ volatility management strategy, are identified in the chart by a “†“. See “Portfolios of the Trusts” for more information regarding volatility management. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">*</div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left"><div style="display:inline;">The Portfolio operates as a “government money market fund.” The Portfolio will invest at least 99.5% of its total assets in U.S. government securities, cash, and/or repurchase agreements that are fully collateralized by U.S. government securities or cash. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">#</div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left"><div style="display:inline;">The ATP Portfolio is part of the asset transfer program. You may not directly allocate a contribution to or request a transfer of account value into this investment option. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left"><div style="display:inline;">Effective on or about June 29, 2026, and subject to shareholder approval, SSGA Funds Management, Inc. will be replaced as a <div style="white-space:nowrap;display:inline;">sub-adviser</div> to the Portfolio (or an allocated portion thereof) with AllianceBernstein L.P. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Unaffiliated Portfolio Companies: </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom"></td> <td style="width:64%"></td> <td style="vertical-align:bottom"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Current</div></div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Expenses</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">TYPE</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="font-weight:bold;display:inline;">Portfolio Company - Investment Adviser; </div><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Sub-Adviser(s),</div> as applicable</div></div><div style="font-weight:bold;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">1 year</div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">5 year</div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">10 year</div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">AB VPS Balanced Hedged Allocation Portfolio — AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.98%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.36%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.64%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.74%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">American Funds Insurance Series® Global Small Capitalization Fund — Capital Research and Management Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.33%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.23%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.96%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">American Funds Insurance Series® Managed Risk Asset Allocation Fund — Capital Research and Management Company; Milliman Financial Risk Management LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.67%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.43%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">American Funds Insurance Series® New World Fund® — Capital Research and Management Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.07%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">27.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">American Funds Insurance Series® The Bond Fund of America® — Capital Research and Management Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.38%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.11%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">BlackRock Global Allocation V.I. Fund — BlackRock Advisors, LLC; BlackRock International Limited, BlackRock (Singapore) Limited</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.01%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.51%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.51%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.33%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">BlackRock Large Cap Focus Growth V.I. Fund — BlackRock Advisors, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.02%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.19%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Fidelity® VIP Mid Cap Portfolio — Fidelity Management and Research Company (FMR)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.80%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.49%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.83%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.31%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Fidelity® VIP Strategic Income Portfolio — Fidelity Management and Research Company (FMR)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.88%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.58%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.79%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Franklin Allocation VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.82%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.60%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Franklin Income VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.30%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Invesco V.I. Diversified Dividend Fund — Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.93%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.44%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.53%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Lord Abbett Bond Debenture Portfolio (VC) — Lord, Abbett & Co. LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.98%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.33%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.72%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">MFS® Massachusetts Investors Growth Stock Portfolio — Massachusetts Financial Services Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.74%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Nomura VIP Asset Strategy Series — Delaware Management Company; Macquarie Investment Management Global Limited</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.77%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.84%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Nomura VIP High Income Series — Delaware Management Company; Nomura Corporate Research and Asset Management Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">PIMCO CommodityRealReturn® Strategy Portfolio — Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.29%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">18.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.44%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">PIMCO Emerging Markets Bond Portfolio — Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.27%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.86%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.34%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.96%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">ProFund VP Biotechnology — ProFund Advisors LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.60%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">34.03%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.50%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Templeton Emerging Markets VIP Fund(1) — Templeton Asset Management Ltd.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.37%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">46.27%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.46%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"><div style="display:inline;"></div> </div></div><div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom"></td> <td style="width:65%"></td> <td style="vertical-align:bottom"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Current</div></div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Expenses</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">TYPE</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="font-weight:bold;display:inline;">Portfolio Company - Investment Adviser; </div><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Sub-Adviser(s),</div> as applicable</div></div><div style="font-weight:bold;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">1 year</div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">5 year</div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">10 year</div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Templeton Global Bond VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.75%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.96%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.15%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">VanEck VIP Global Resources Fund — Van Eck Associates Corporation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.32%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">36.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.24%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:5%;vertical-align:top;text-align:left"><div style="display:inline;">^</div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left"><div style="display:inline;">This Portfolio’s annual expenses reflect temporary fee reductions. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:5%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left"><div style="display:inline;">This is the variable investment option’s new name. The variable investment option’s former name is Templeton Developing Markets VIP Fund which may continue to be used in certain documents for a period of time after the date of this prospectus. </div></div></td></tr></table> The following is a list of Portfolio Companies available under the contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at www.equitable.com/ICSR#EQH150064. You can request this information at no cost by calling 1-877-522-5035 or by sending an email request to EquitableFunds@dfinsolutions.com. If you elect a Guaranteed benefit, you may only invest in the Portfolios listed in the Protected Benefit account table below. <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The current expenses and performance information below reflects fee and expenses of the Portfolios, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance. </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Affiliated Portfolio Companies: </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:64%"></td> <td style="vertical-align:bottom"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Current</div></div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Expenses</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">TYPE</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="font-weight:bold;display:inline;">Portfolio Company - Investment Adviser; </div><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Sub-Adviser(s),</div> as applicable</div></div><div style="font-weight:bold;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">1 year</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">5 year</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">10 year</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1290 VT Equity Income — Equitable Investment Management Group, LLC (“EIMG”); Barrow, Hanley, Mewhinney & Strauss, LLC d/b/a Barrow Hanley Global Investors</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.95%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.25%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1290 VT GAMCO Mergers & Acquisitions — EIMG; GAMCO Asset Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.29%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.91%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.70%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.38%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1290 VT GAMCO Small Company Value — EIMG; GAMCO Asset Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.05%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.82%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.24%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1290 VT High Yield Bond — EIMG; AXA Investment Managers US Inc., Post Advisory Group, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.02%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.54%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.92%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1290 VT Natural Resources — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">28.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.06%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1290 VT Real Estate — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.67%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.69%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.28%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1290 VT Small Cap Value — EIMG; BlackRock Investment Management, LLC, Horizon Kinetics Asset Management LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.23%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.11%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.44%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.19%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">1290 VT SmartBeta Equity ESG — EIMG; AXA Investment Managers US Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.95%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.21%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.74%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/AB Dynamic Moderate GrowthΔ — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.13%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.46%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.31%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/AB Small Cap Growth — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.92%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.21%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.43%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Aggressive Allocation† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.97%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.79%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Aggressive Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.01%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.61%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/All Asset Growth Allocation — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.25%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.18%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.12%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.28%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/American Century Mid Cap Value — EIMG; American Century Investment Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.72%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.64%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Balanced Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.05%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.68%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Capital Group Research — EIMG; Capital International, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.95%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.83%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.80%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.00%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/ClearBridge Large Cap Growth ESG — EIMG; ClearBridge Investments, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.69%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.47%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.63%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/ClearBridge Select Equity Managed Volatility† — EIMG; BlackRock Investment Management, LLC, ClearBridge Investments, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.06%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.42%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.21%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Common Stock Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.67%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.30%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.50%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.54%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Conservative Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.76%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Conservative Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.95%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.86%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.93%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Core Bond Index(1) — EIMG; SSGA Funds Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.62%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.43%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.35%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.70%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Core Plus Bond — EIMG; Brandywine Global Investment Management, LLC, Loomis, Sayles & Company, L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.93%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.58%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.68%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Emerging Markets Equity PLUS — EIMG; AllianceBernstein L.P., EARNEST Partners, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.20%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">33.46%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.64%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Equity 500 Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.53%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.24%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.79%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.16%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Fidelity Institutional AM® Large Cap — EIMG; FIAM LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.87%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">18.34%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.86%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div><div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:64%"></td> <td style="vertical-align:bottom"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Current</div></div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Expenses</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">TYPE</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="font-weight:bold;display:inline;">Portfolio Company - Investment Adviser; </div><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Sub-Adviser(s),</div> as applicable</div></div><div style="font-weight:bold;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">1 year</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">5 year</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">10 year</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Franklin Rising Dividends — EIMG; Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.87%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.84%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.50%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Franklin Small Cap Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC, Franklin Mutual Advisers, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.05%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.11%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.71%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Global Equity Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.08%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.14%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.33%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Goldman Sachs Mid Cap Value — EIMG; Goldman Sachs Asset Management L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.09%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.22%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.66%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Goldman Sachs Moderate Growth AllocationΔ — EIMG; Goldman Sachs Asset Management L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.02%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.02%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.76%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.44%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.61%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Intermediate Government Bond(1) — EIMG; SSGA Funds Management, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.62%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.54%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.30%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/International Core Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.06%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26.12%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.52%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/International Equity Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">31.53%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.91%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/International Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC, Harris Associates LP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.04%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">26.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.75%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Invesco Comstock — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.00%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.99%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.71%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Invesco Global — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.95%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.59%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Invesco Global Real Assets — EIMG; Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.16%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.11%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Janus Enterprise — EIMG; Janus Henderson Investors US LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.04%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.05%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.06%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/JPMorgan Growth Stock — EIMG; J.P. Morgan Investment Management Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.96%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.76%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.43%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/JPMorgan Value Opportunities — EIMG; J.P. Morgan Investment Management Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.95%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.77%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Large Cap Growth Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.71%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.74%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.51%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.26%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Large Cap Growth Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.87%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.64%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.01%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Large Cap Value Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.74%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.04%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.52%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Large Cap Value Managed Volatility† — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.86%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.62%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.69%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Lazard Emerging Markets Equity — EIMG; Lazard Asset Management LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.35%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">42.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.84%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Loomis Sayles Growth — EIMG; Loomis, Sayles & Company, L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.03%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.72%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.87%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/MFS International Growth — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">20.90%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.90%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/MFS International Intrinsic Value — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">32.95%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.99%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/MFS Mid Cap Focused Growth — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.60%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.09%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/MFS Technology — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.24%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.06%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/MFS Utilities Series — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.05%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.65%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.33%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Mid Cap Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.64%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">^</div> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.80%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.42%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.99%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Mid Cap Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.62%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.20%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Moderate Allocation† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.08%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.20%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.12%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.77%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Moderate Growth Strategy† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.98%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.83%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.67%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Moderate-Plus Allocation† — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.11%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.50%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.88%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.67%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Cash/Cash Equivalent</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Money Market* — EIMG; Dreyfus, a division of Mellon Investments Corporation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.67%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.79%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/PIMCO Global Real Return — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.74%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.52%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.90%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/PIMCO Real Return — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.22%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.95%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.24%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/PIMCO Total Return ESG — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.75%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.70%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.14%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/PIMCO Ultra Short Bond — EIMG; Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.80%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.93%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Small Company Index — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.63%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.57%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.16%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.44%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/T. Rowe Price Health Sciences — EIMG; T. Rowe Price Associates, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.20%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.21%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.62%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Ultra Conservative Strategy†# — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.25%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.08%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"> </div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom;width:1%"></td> <td style="width:64%"></td> <td style="vertical-align:bottom"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Current</div></div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Expenses</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">TYPE</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="font-weight:bold;display:inline;">Portfolio Company - Investment Adviser; </div><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Sub-Adviser(s),</div> as applicable</div></div><div style="font-weight:bold;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">1 year</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">5 year</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">10 year</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Value Equity — EIMG; Aristotle Capital Management, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.91%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.01%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.65%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.47%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">EQ/Wellington Energy — EIMG; Wellington Management Company LLP</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.19%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.90%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom;text-align:right"><div style="display:inline;">—</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Equitable Conservative Growth MF/ETF Portfolio — EIMG</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.10%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.03%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.95%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Multimanager Aggressive Equity — EIMG; AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.99%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.30%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.47%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">^</div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left"><div style="display:inline;">This Portfolio’s annual expenses reflect temporary fee reductions. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="font-family:Times New Roman;display:inline;">Δ</div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left"><div style="display:inline;">Certain other affiliated Portfolios, as well as unaffiliated Portfolios, may utilize volatility management techniques (including Fund of Fund Portfolios that invest in other Portfolios that utilize volatility management techniques) that differ from the EQ volatility management strategy. Affiliated Portfolios that utilize these volatility management techniques are identified in the chart by a “<div style="font-family:Times New Roman;display:inline;">Δ</div>”. Any such unaffiliated Portfolio is not identified in the chart. See “Portfolios of the Trusts” for more information regarding volatility management. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">†</div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left"><div style="display:inline;">EQ Managed Volatility Portfolios that include the EQ volatility management strategy as part of their investment objective and/or principal investment strategy, and the EQ/affiliated Fund of Fund Portfolios that invest in Portfolios that use the EQ volatility management strategy, are identified in the chart by a “†“. See “Portfolios of the Trusts” for more information regarding volatility management. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">*</div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left"><div style="display:inline;">The Portfolio operates as a “government money market fund.” The Portfolio will invest at least 99.5% of its total assets in U.S. government securities, cash, and/or repurchase agreements that are fully collateralized by U.S. government securities or cash. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">#</div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left"><div style="display:inline;">The ATP Portfolio is part of the asset transfer program. You may not directly allocate a contribution to or request a transfer of account value into this investment option. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left"><div style="display:inline;">Effective on or about June 29, 2026, and subject to shareholder approval, SSGA Funds Management, Inc. will be replaced as a <div style="white-space:nowrap;display:inline;">sub-adviser</div> to the Portfolio (or an allocated portion thereof) with AllianceBernstein L.P. </div></div></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold"><div style="display:inline;">Unaffiliated Portfolio Companies: </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:12pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom"></td> <td style="width:64%"></td> <td style="vertical-align:bottom"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Current</div></div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Expenses</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">TYPE</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="font-weight:bold;display:inline;">Portfolio Company - Investment Adviser; </div><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Sub-Adviser(s),</div> as applicable</div></div><div style="font-weight:bold;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">1 year</div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">5 year</div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">10 year</div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">AB VPS Balanced Hedged Allocation Portfolio — AllianceBernstein L.P.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.98%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">17.36%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.64%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.74%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">American Funds Insurance Series® Global Small Capitalization Fund — Capital Research and Management Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.15%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.33%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.23%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.96%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">American Funds Insurance Series® Managed Risk Asset Allocation Fund — Capital Research and Management Company; Milliman Financial Risk Management LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.90%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.67%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.43%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">American Funds Insurance Series® New World Fund® — Capital Research and Management Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.07%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">27.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">American Funds Insurance Series® The Bond Fund of America® — Capital Research and Management Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.38%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.11%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">BlackRock Global Allocation V.I. Fund — BlackRock Advisors, LLC; BlackRock International Limited, BlackRock (Singapore) Limited</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.01%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">19.51%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.51%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.33%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">BlackRock Large Cap Focus Growth V.I. Fund — BlackRock Advisors, LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.02%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.48%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.19%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Fidelity® VIP Mid Cap Portfolio — Fidelity Management and Research Company (FMR)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.80%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">11.49%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.83%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.31%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Fidelity® VIP Strategic Income Portfolio — Fidelity Management and Research Company (FMR)</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.88%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.58%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.79%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Franklin Allocation VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.82%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.60%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.32%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Franklin Income VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.72%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">12.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.30%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Invesco V.I. Diversified Dividend Fund — Invesco Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.93%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.44%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.53%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.93%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Lord Abbett Bond Debenture Portfolio (VC) — Lord, Abbett & Co. LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.98%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.33%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.10%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.72%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">MFS® Massachusetts Investors Growth Stock Portfolio — Massachusetts Financial Services Company</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.61%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.74%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">13.98%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Asset Allocation</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Nomura VIP Asset Strategy Series — Delaware Management Company; Macquarie Investment Management Global Limited</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.77%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">16.66%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.07%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.84%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Nomura VIP High Income Series — Delaware Management Company; Nomura Corporate Research and Asset Management Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.97%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.56%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">PIMCO CommodityRealReturn® Strategy Portfolio — Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">3.29%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">18.85%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.44%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">6.42%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">PIMCO Emerging Markets Bond Portfolio — Pacific Investment Management Company LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.27%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">14.86%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">2.34%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">4.96%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">ProFund VP Biotechnology — ProFund Advisors LLC</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.60%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">34.03%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">9.50%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">7.41%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Equity</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Templeton Emerging Markets VIP Fund(1) — Templeton Asset Management Ltd.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.37%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">46.27%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">5.46%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.40%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table><div style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:2%;vertical-align:top;text-align:left"></td></tr></table><div style="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:arial;font-weight:bold;text-align:center"><div style="font-style:italic;display:inline;"><div style="display:inline;"></div> </div></div><div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:12%"></td> <td style="vertical-align:bottom"></td> <td style="width:65%"></td> <td style="vertical-align:bottom"></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td> <td style="vertical-align:bottom;width:1%"></td> <td></td> <td></td> <td></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;vertical-align:bottom"> </td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" rowspan="2" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Current</div></div><div style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:arial;font-weight:bold;text-align:center"><div style="display:inline;">Expenses</div></div></td> <td rowspan="2" style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="10" style="BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">Average Annual Total Returns<br/>(as of 12/31/2025)</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">TYPE</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="display:inline;"><div style="font-weight:bold;display:inline;">Portfolio Company - Investment Adviser; </div><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;"><div style="white-space:nowrap;display:inline;">Sub-Adviser(s),</div> as applicable</div></div><div style="font-weight:bold;display:inline;"></div></div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">1 year</div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">5 year</div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td colspan="2" style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:center"><div style="font-weight:bold;display:inline;">10 year</div></td> <td style=" BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Fixed Income</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">Templeton Global Bond VIP Fund — Franklin Advisers, Inc.</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">0.75%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"><div style="display:inline;">^ </div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">15.73%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.96%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">-0.15%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style="display:inline;">Specialty</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="display:inline;">VanEck VIP Global Resources Fund — Van Eck Associates Corporation</div></td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">1.32%</div></td> <td style="BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">36.17%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">10.24%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;white-space:nowrap;vertical-align:bottom"> </td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom;text-align:right"><div style="display:inline;">8.06%</div></td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;white-space:nowrap;vertical-align:bottom"> </td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:5%;vertical-align:top;text-align:left"><div style="display:inline;">^</div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left"><div style="display:inline;">This Portfolio’s annual expenses reflect temporary fee reductions. </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:5%;vertical-align:top;text-align:left"><div style="display:inline;">(1)</div></td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left"><div style="display:inline;">This is the variable investment option’s new name. The variable investment option’s former name is Templeton Developing Markets VIP Fund which may continue to be used in certain documents for a period of time after the date of this prospectus. </div></div></td></tr></table> Equity 1290 VT Equity Income Equitable Investment Management Group, LLC (“EIMG”) Barrow, Hanley, Mewhinney & Strauss, LLC d/b/a Barrow Hanley Global Investors 0.0095 0.1304 0.1125 0.0885 Specialty 1290 VT GAMCO Mergers & Acquisitions EIMG GAMCO Asset Management, Inc. 0.0129 0.1591 0.077 0.0538 Equity 1290 VT GAMCO Small Company Value EIMG GAMCO Asset Management, Inc. 0.0105 0.1282 0.1124 0.1077 Fixed Income 1290 VT High Yield Bond EIMG AXA Investment Managers US Inc., Post Advisory Group, LLC 0.0102 0.0754 0.0392 0.0541 Specialty 1290 VT Natural Resources EIMG AllianceBernstein L.P. 0.009 0.2804 0.1606 0.0942 Specialty 1290 VT Real Estate EIMG AllianceBernstein L.P. 0.009 0.0967 0.0269 0.0328 Equity 1290 VT Small Cap Value EIMG BlackRock Investment Management, LLC, Horizon Kinetics Asset Management LLC 0.0123 0.0611 0.1344 0.1119 Equity 1290 VT SmartBeta Equity ESG EIMG AXA Investment Managers US Inc. 0.011 0.1395 0.1021 0.1074 Asset Allocation EQ/AB Dynamic Moderate Growth EIMG AllianceBernstein L.P. 0.0113 0.1346 0.0631 0.0612 Equity EQ/AB Small Cap Growth EIMG AllianceBernstein L.P. 0.0092 0.0921 0.0343 0.101 Asset Allocation EQ/Aggressive Allocation EIMG 0.0115 0.1297 0.0779 0.0947 Asset Allocation EQ/Aggressive Growth Strategy EIMG 0.0101 0.1217 0.0761 0.0904 Asset Allocation EQ/All Asset Growth Allocation EIMG 0.0125 0.1718 0.0712 0.0828 Equity EQ/American Century Mid Cap Value EIMG American Century Investment Management, Inc. 0.01 0.0872 0.0864 0 Asset Allocation EQ/Balanced Strategy EIMG 0.0097 0.1005 0.0468 0.0608 Equity EQ/Capital Group Research EIMG Capital International, Inc. 0.0095 0.1983 0.138 0.15 Equity EQ/ClearBridge Large Cap Growth ESG EIMG ClearBridge Investments, LLC 0.01 0.0769 0.1047 0.1363 Equity EQ/ClearBridge Select Equity Managed Volatility EIMG BlackRock Investment Management, LLC, ClearBridge Investments, LLC 0.0106 0.0766 0.0842 0.1221 Equity EQ/Common Stock Index EIMG AllianceBernstein L.P. 0.0067 0.163 0.125 0.1354 Asset Allocation EQ/Conservative Growth Strategy EIMG 0.0097 0.0932 0.0376 0.051 Asset Allocation EQ/Conservative Strategy EIMG 0.0095 0.0786 0.0193 0.0312 Fixed Income EQ/Core Bond Index EIMG SSGA Funds Management, Inc. 0.0062 0.0643 0.0035 0.017 Fixed Income EQ/Core Plus Bond EIMG Brandywine Global Investment Management, LLC, Loomis, Sayles & Company, L.P. 0.0093 0.0858 -0.0068 0.0217 Equity EQ/Emerging Markets Equity PLUS EIMG AllianceBernstein L.P., EARNEST Partners, LLC 0.012 0.3346 0.0464 0.0773 Equity EQ/Equity 500 Index EIMG AllianceBernstein L.P. 0.0053 0.1724 0.1379 0.1416 Equity EQ/Fidelity Institutional AM® Large Cap EIMG FIAM LLC 0.0087 0.1834 0.1386 0 Equity EQ/Franklin Rising Dividends EIMG Franklin Advisers, Inc. 0.0087 0.1184 0.095 0 Equity EQ/Franklin Small Cap Value Managed Volatility EIMG BlackRock Investment Management, LLC, Franklin Mutual Advisers, LLC 0.0105 0.0706 0.0611 0.0871 Equity EQ/Global Equity Managed Volatility EIMG BlackRock Investment Management, LLC 0.0108 0.1914 0.0833 0.0947 Equity EQ/Goldman Sachs Mid Cap Value EIMG Goldman Sachs Asset Management L.P. 0.0109 0.0922 0.0966 0 Asset Allocation EQ/Goldman Sachs Moderate Growth Allocation EIMG Goldman Sachs Asset Management L.P. 0.0115 0.1002 0.0502 0.0576 Asset Allocation EQ/Growth Strategy EIMG 0.01 0.1144 0.0661 0.0807 Fixed Income EQ/Intermediate Government Bond EIMG SSGA Funds Management, Inc. 0.0062 0.0554 0.003 0.0115 Equity EQ/International Core Managed Volatility EIMG BlackRock Investment Management, LLC 0.0106 0.2612 0.0752 0.0748 Equity EQ/International Equity Index EIMG AllianceBernstein L.P. 0.0072 0.3153 0.0991 0.0807 Equity EQ/International Value Managed Volatility EIMG BlackRock Investment Management, LLC, Harris Associates LP 0.0104 0.2666 0.0775 0.0677 Equity EQ/Invesco Comstock EIMG Invesco Advisers, Inc. 0.01 0.1693 0.1499 0.1171 Equity EQ/Invesco Global EIMG Invesco Advisers, Inc. 0.011 0.154 0.0695 0.1059 Specialty EQ/Invesco Global Real Assets EIMG Invesco Advisers, Inc. 0.0116 0.1593 0.0711 0 Equity EQ/Janus Enterprise EIMG Janus Henderson Investors US LLC 0.0104 0.0805 0.0706 0.1061 Equity EQ/JPMorgan Growth Stock EIMG J.P. Morgan Investment Management Inc. 0.0096 0.1476 0.0943 0.1408 Equity EQ/JPMorgan Value Opportunities EIMG J.P. Morgan Investment Management Inc. 0.0095 0.154 0.1277 0.1208 Equity EQ/Large Cap Growth Index EIMG AllianceBernstein L.P. 0.0071 0.1774 0.1451 0.1726 Equity EQ/Large Cap Growth Managed Volatility EIMG BlackRock Investment Management, LLC 0.0087 0.1106 0.1164 0.1501 Equity EQ/Large Cap Value Index EIMG AllianceBernstein L.P. 0.0074 0.1504 0.1052 0.0977 Equity EQ/Large Cap Value Managed Volatility EIMG AllianceBernstein L.P. 0.0086 0.1062 0.0969 0.0956 Equity EQ/Lazard Emerging Markets Equity EIMG Lazard Asset Management LLC 0.0135 0.4206 0.1084 0 Equity EQ/Loomis Sayles Growth EIMG Loomis, Sayles & Company, L.P. 0.0103 0.1308 0.1272 0.1587 Equity EQ/MFS International Growth EIMG Massachusetts Financial Services Company d/b/a MFS Investment Management 0.011 0.209 0.069 0.0961 Equity EQ/MFS International Intrinsic Value EIMG Massachusetts Financial Services Company d/b/a MFS Investment Management 0.0115 0.3295 0.0699 0 Equity EQ/MFS Mid Cap Focused Growth EIMG Massachusetts Financial Services Company d/b/a MFS Investment Management 0.011 0.056 0.0509 0 Specialty EQ/MFS Technology EIMG Massachusetts Financial Services Company d/b/a MFS Investment Management 0.011 0.1624 0.1206 0 Specialty EQ/MFS Utilities Series EIMG Massachusetts Financial Services Company d/b/a MFS Investment Management 0.0105 0.1465 0.0733 0 Equity EQ/Mid Cap Index EIMG AllianceBernstein L.P. 0.0064 0.068 0.0842 0.0999 Equity EQ/Mid Cap Value Managed Volatility EIMG BlackRock Investment Management, LLC 0.0097 0.0498 0.0762 0.082 Asset Allocation EQ/Moderate Allocation EIMG 0.0108 0.102 0.0412 0.0577 Asset Allocation EQ/Moderate Growth Strategy EIMG 0.0098 0.1083 0.0567 0.0708 Asset Allocation EQ/Moderate-Plus Allocation EIMG 0.0111 0.115 0.0588 0.0767 Cash/Cash Equivalent EQ/Money Market EIMG Dreyfus, a division of Mellon Investments Corporation 0.0067 0.0366 0.0279 0.0173 Fixed Income EQ/PIMCO Global Real Return EIMG Pacific Investment Management Company LLC 0.0274 0.0552 -0.009 0.0248 Fixed Income EQ/PIMCO Real Return EIMG Pacific Investment Management Company LLC 0.0222 0.0795 0.0124 0 Fixed Income EQ/PIMCO Total Return ESG EIMG Pacific Investment Management Company LLC 0.0075 0.087 -0.0014 0 Fixed Income EQ/PIMCO Ultra Short Bond EIMG Pacific Investment Management Company LLC 0.008 0.0447 0.0293 0.0232 Equity EQ/Small Company Index EIMG AllianceBernstein L.P. 0.0063 0.1257 0.0616 0.0944 Specialty EQ/T. Rowe Price Health Sciences EIMG T. Rowe Price Associates, Inc. 0.012 0.1921 0.0362 0 Asset Allocation EQ/Ultra Conservative Strategy EIMG 0.009 0.0656 0.0125 0.0208 Equity EQ/Value Equity EIMG Aristotle Capital Management, LLC 0.0091 0.1101 0.0865 0.0847 Specialty EQ/Wellington Energy EIMG Wellington Management Company LLP 0.0119 0.1217 0.179 0 Asset Allocation Equitable Conservative Growth MF/ETF Portfolio EIMG 0.011 0.1203 0.0495 0.0685 Equity Multimanager Aggressive Equity EIMG AllianceBernstein L.P. 0.0099 0.163 0.1147 0.1566 Asset Allocation AB VPS Balanced Hedged Allocation Portfolio AllianceBernstein L.P. 0.0098 0.1736 0.0564 0.0674 Equity American Funds Insurance Series® Global Small Capitalization Fund Capital Research and Management Company 0.0115 0.1433 0.0023 0.0696 Asset Allocation American Funds Insurance Series® Managed Risk Asset Allocation Fund Capital Research and Management Company Milliman Financial Risk Management LLC 0.009 0.1167 0.0643 0.0717 Equity American Funds Insurance Series® New World Fund® Capital Research and Management Company 0.0107 0.2793 0.0506 0.0898 Fixed Income American Funds Insurance Series® The Bond Fund of America® Capital Research and Management Company 0.0072 0.0698 -0.0038 0.0211 Asset Allocation BlackRock Global Allocation V.I. Fund BlackRock Advisors, LLC BlackRock International Limited, BlackRock (Singapore) Limited 0.0101 0.1951 0.0551 0.0733 Equity BlackRock Large Cap Focus Growth V.I. Fund BlackRock Advisors, LLC 0.0102 0.1148 0.1019 0.1598 Equity Fidelity® VIP Mid Cap Portfolio Fidelity Management and Research Company (FMR) 0.008 0.1149 0.0983 0.1031 Fixed Income Fidelity® VIP Strategic Income Portfolio Fidelity Management and Research Company (FMR) 0.0088 0.0858 0.0279 0.044 Asset Allocation Franklin Allocation VIP Fund Franklin Advisers, Inc. 0.0082 0.126 0.0573 0.0732 Asset Allocation Franklin Income VIP Fund Franklin Advisers, Inc. 0.0072 0.1256 0.0766 0.073 Equity Invesco V.I. Diversified Dividend Fund Invesco Advisers, Inc. 0.0093 0.1544 0.1053 0.0893 Fixed Income Lord Abbett Bond Debenture Portfolio (VC) Lord, Abbett & Co. LLC 0.0098 0.0833 0.021 0.0472 Equity MFS® Massachusetts Investors Growth Stock Portfolio Massachusetts Financial Services Company 0.0097 0.0961 0.0974 0.1398 Asset Allocation Nomura VIP Asset Strategy Series Delaware Management Company Macquarie Investment Management Global Limited 0.0077 0.1666 0.0707 0.0784 Fixed Income Nomura VIP High Income Series Delaware Management Company Nomura Corporate Research and Asset Management Inc. 0.0097 0.0717 0.0373 0.0556 Specialty PIMCO CommodityRealReturn® Strategy Portfolio Pacific Investment Management Company LLC 0.0329 0.1885 0.1044 0.0642 Specialty PIMCO Emerging Markets Bond Portfolio Pacific Investment Management Company LLC 0.0127 0.1486 0.0234 0.0496 Specialty ProFund VP Biotechnology ProFund Advisors LLC 0.016 0.3403 0.095 0.0741 Equity Templeton Emerging Markets VIP Fund Templeton Asset Management Ltd. 0.0137 0.4627 0.0546 0.104 Fixed Income Templeton Global Bond VIP Fund Franklin Advisers, Inc. 0.0075 0.1573 -0.0096 -0.0015 Specialty VanEck VIP Global Resources Fund Van Eck Associates Corporation 0.0132 0.3617 0.1024 0.0806 <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Protected Benefit Account Restrictions </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">Amounts you allocate to the Protected Benefit account variable investment options fund your Guaranteed benefits. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:48%"></td> <td style="vertical-align:bottom;width:4%"></td> <td style="width:48%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td colspan="3" style="BORDER:0.75pt solid #000000; padding-left:8pt; padding-right:2pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Protected Benefit Account Variable Investment Options</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:arial">EQ/AB Dynamic Moderate Growth</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">EQ/Conservative Strategy</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:arial">EQ/Aggressive Growth Strategy</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">EQ/Growth Strategy</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:arial">EQ/Balanced Strategy</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">EQ/Moderate Growth Strategy</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:arial">EQ/Conservative Growth Strategy</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">EQ/Ultra Conservative Strategy<div style="font-size:75%; vertical-align:top;display:inline;font-size:6.6px">(1) </div></td></tr></table> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;border-spacing:0;width:100%"> <tr style="page-break-inside:avoid"> <td style="width:4%;vertical-align:top;text-align:left">(1)</td> <td style="vertical-align:top;text-align:left"><div style=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:arial;text-align:left">The ATP Portfolio is part of the asset transfer program. You may not directly allocate a contribution to or request a transfer of account value into this investment option. </div></td></tr></table> true true true true true true true true <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial;font-weight:bold">Fixed Investment Options </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following is a list of Fixed investment options currently available under the Contract. We may change the features of the Fixed investment options listed below, offer new Fixed investment options, and terminate existing Fixed investment options. We will provide you with written notice before doing so. If you elect a Guaranteed benefit, you may not invest in the Fixed investment options and may only invest in the Portfolios listed in the Protected Benefit account table above. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See “Fixed investment options” in “Purchasing the contract”<div style="font-weight:bold;display:inline;"> </div>in the Prospectus for a description of the Fixed investment options’ features. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:31%"></td> <td style="vertical-align:bottom;width:4%"></td> <td style="width:32%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:31%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Name</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Term</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Minimum Guaranteed Interest Rate</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:arial">Guaranteed interest option</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">N/A</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">1.00%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:arial">Account for special dollar cost averaging</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">3 - 12 months</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">1.00%</td></tr></table> <div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">The following is a list of Fixed investment options currently available under the Contract. We may change the features of the Fixed investment options listed below, offer new Fixed investment options, and terminate existing Fixed investment options. We will provide you with written notice before doing so. If you elect a Guaranteed benefit, you may not invest in the Fixed investment options and may only invest in the Portfolios listed in the Protected Benefit account table above. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:arial">See “Fixed investment options” in “Purchasing the contract”<div style="font-weight:bold;display:inline;"> </div>in the Prospectus for a description of the Fixed investment options’ features. </div><div style="margin-top:0pt; margin-bottom:-6pt; font-size:6pt"> </div> <table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt;width:100%;border-spacing:0"> <tr> <td style="width:31%"></td> <td style="vertical-align:bottom;width:4%"></td> <td style="width:32%"></td> <td style="vertical-align:bottom;width:2%"></td> <td style="width:31%"></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt;background-color:#d8d8d8"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Name</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Term</div></td> <td style=" BORDER-TOP:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom"><div style="font-weight:bold;display:inline;">Minimum Guaranteed Interest Rate</div></td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:arial">Guaranteed interest option</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">N/A</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">1.00%</td></tr> <tr style="page-break-inside:avoid ; font-family:arial; font-size:8pt"> <td style="BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:top"><div style=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:arial">Account for special dollar cost averaging</div></td> <td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">3 - 12 months</td> <td style=" BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom"> </td> <td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">1.00%</td></tr></table> Guaranteed interest option 0.01 Account for special dollar cost averaging P12M 0.01 Expressed as an annual percentage of the daily net assets in the variable investment options. Expressed as an annual percentage of daily net assets in the Portfolio. This range is for the year ended December 31, 2025 and could change from year to year. Expressed as an annual percentage of the applicable benefit base. The charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates if you make a withdrawal, surrender your contract to receive its cash value, or, if offered, surrender your contract to apply your cash value to a non-life contingent annuity payment option. Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for transfers in excess of 12 transfers per contract year. We will charge no more than $35 for each transfer at the time each transfer is processed. See “Transfer charge” under “Charges that the Company deducts” in “Charges and expenses”. Currently, we do not charge for third party transfers or exchanges. However, we reserve the right to discontinue this waiver at any time, with or without notice. The maximum third party transfer or exchange fee is $125. The current charge (which, as described above is waived) is $65. The sum of these charges will never exceed 2% of the amount disbursed or transferred. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. Special service charges include (1) express mail charge; (2) wire transfer charge; (3) duplicate contract charge; and (4) check preparation charge. The current maximum charge for each service is $90. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. The annual administrative charge is deducted from your account value on each contract date anniversary. If the contract is surrendered or annuitized or a death benefit is paid on any date other than the contract date anniversary, we will deduct a pro rata portion of the administrative charge for that year. If your account value on a contract date anniversary is $50,000 or more there is no charge. During the first two contract years this charge, if applicable, is equal to the lesser of $30 or 2% of your Total account value. Thereafter, the charge, if applicable, is $30 for each contract year. The benefit base is not an account value or cash value. Your initial benefit base is equal to your initial contribution or transfer to the Protected Benefit account variable investment options and amounts in a Special DCA program designated for transfers to the Protected Benefit account variable investment options. For Series CP® contracts, your initial benefit base does not include the credit. Subsequent adjustments to the applicable benefit base and the investment performance of the Protected Benefit account may result in a benefit base that is significantly different from your total contributions or future transfers to, or account value in, the Protected Benefit account. See “Guaranteed minimum death benefits” and “Guaranteed minimum income benefit” in “Benefits available under the contract”. Deducted annually on each contract date anniversary for which the benefit is in effect. If the contract is surrendered or annuitized, or a death benefit is paid, or the benefit is dropped (if applicable), on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year. Maximum charge of 1.20% if you were 20-64 on the contract issue date and 2.00% if you were 65-68. The current charge is equal to 0.60% (if you were age 20-64 on your contract date) or 1.00% (if you were age 65-68 on your contract date) of the RMD Wealth Guard death benefit base in effect each contract date anniversary. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “RMD Wealth Guard death benefit” in “Charges and expenses”. The current charge is equal to 1.15%. We reserve the right to increase or decrease this charge at any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” and “Greater of death benefit” in “Charges and expenses”. The current charge is equal to 1.15% of the GMIB benefit base in effect on each contract date anniversary. If you have this benefit, but do not fund it until after your contract date anniversary, we will deduct the full charge on the contract date anniversary following the date on which you fund the benefit. We reserve the right to increase the charge for this benefit up to a maximum of 2.30%. We reserve the right to increase or decrease this charge any time after your second contract date anniversary. See “Guaranteed minimum income benefit charge” in “Charges and expenses”. “Annual Portfolio Expenses” are based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025. Pursuant to a contract, Equitable Investment Management Group, LLC has agreed to make payments or waive its management, administrative and other fees to limit the expenses of certain affiliated Portfolios through April 30, 2027 (“Expense Limitation Arrangement”) (unless the Trust’s Board of Trustees consents to an earlier revision or termination of this agreement). The Expense Limitation Arrangement may be terminated by Equitable Investment Management Group, LLC at any time after April 30, 2027. The Expense Limitation Arrangement does not apply to unaffiliated Portfolios. Option I allows you to rebalance your Investment account value among the Investment account variable investment options. Option II allows you to rebalance your Investment account value among the Investment account variable investment options and the guaranteed interest option. Expressed as an annual percentage of the benefit base. Issue ages 20-64. If the contract is surrendered or annuitized, or a death benefit is paid, or the benefit is dropped (if applicable), on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year. The current charge is equal to 0.90%. We reserve the right to increase or decrease this charge at any time after your second contract date anniversary. See “RMD Wealth Guard death benefit charge” in “Charges and expenses”.